[vln]

I actually participated in the program a couple of years ago. You used it for 6 months and it monitored your driving looking for things like rapid acceleration/deceleration -- I assume that's what leads to most accidents. It also tracked time of day as an indicator of how risky you are to insure. When I used it, it was only used to discount your insurance if you were a good driver by their metrics, not increase any premiums.