[john70t]

When I think about it, I stop and consider for a second:

If every car had a transponder and every position was recorded at every second and the insurance rates were judged accordingly....
I would get bonus-points for:
-the even speed I maintained in stop-n-go traffic(even with big SUV tailgating)
-for leaving people stuck behind slow semis an out, for slowing for merging traffic
-and for driving faster than the limit only in safe areas.
-dodging cars on more than three occasions that should have skidded into me and hard braking on more than one occasion for late lane changers..
Then my risk factor and payment would be close to nothing and I would pay little to nothing for insurance.

Even with modern micro-managment, data can be convieniently lost.
[edit:the above was made in cynicism.]