I just willingly put one of these tracker in my car. I barely drive anymore due to Covid and USAA is attempting to charge me 180 per month. Metromile lets me pay 70 dollars a month + 12 cents a mile. No brainier decision at that price point unfortunately.
It might be a good deal for you. But I wouldn't take the "no brainer" argument here. Driving habits are highly personal and you most definitely should resist being profiled by your insurance company, even for the extra break on premiums. That may be a good deal for you now, but don't count on it for long, I'm afraid.
I already am profiled by my insurance company. Only their profiles are based on correlations rather than a direct line of causation since they lack any data on me beyond inference from the population. As a result, I'm shackled to suffer from the behavior of my peer group, so if I'm young or live in a city I pay more money no matter if I am one of those perfect drivers who goes a lifetime of driving without an accident or ticket.
