[ozymandium]

The easiest way to disable this is by physically removing the cell modem from your vehicle, which is very straightforward. Without egress, the only way for data harvesting to occur is by physical access, typically at a dealership. However, virtually all automotive cell modems are either packaged on the same chip as the GNSS receiver, or colocated on the same daughter board. As such, choosing to retain control over your data typically comes at the cost of foregoing the built in navigation system and other features such as emergency calling.

[elzbardico]

Unless most people do it, their answer will be to put you on the high risk bucket by default.

[chongli]

There are insurance companies that allow you to voluntarily submit to tracking in exchange for reduced premiums. What is happening here is that those savings are being passed on to auto makers as an extra revenue stream.