UBI in the CAR

Usage based insurance trackers, usually an app on your phone, could save you hundreds of dollars per year.  The app tracks your time of day, speed, miles driven and other statistics to determine a possible savings.  It also tracks cell phone usage when you are driving.  Somewhat invasive but…My tracker reviews the information every six months and gives me a discount if I did not drive like a speed demon or hit the brakes too hard.