Tracking Driving Habits with OBDII port (for insurance savings)

[RedRide]

I got nothing to hide either but.....

I have been driving for many decades and never had an accident . I started driving defensibly from square one before it was even called "defensive driving" . To me it was always the only way to drive.
The only time I ever filled any sort of claim is when my car was hit when legally parked.

However, I often l go for WOT and other things an insurance company would raise my rates for. I never put my car ( or any other car) in danger no matter what I do

It's like like this.... you can not say a person will most likely die (or not) if he jumps out of a airplane if you have no idea if he is an experience skydiver and has a parachute or, if he is just an idiot jumping out of a plane sans a parachute.
These insurance OBD monitors can not detect any sort of "parachute", experience, circumstances, etc and often reward bad bad drivers while penalizing good ones.

As the saying goes, "a little knowledge can be a dangerous thing".