It could be for the better though.

More and more you will see carriers offering discounts associated with adding a tracking system to your phone.

You have seen the commercials to get discounts on your major insurance carriers for your driving habits.

But what are they really chekcing for?

Hard braking. If you have a manual tracking system they are surely checking hard braking and maybe even beep when you brake. It will surely make you more cognizant of your braking habits. It may encourage you to not drive as fast or notice more when you start to slow down.

Tracking speeding. Speeding also can cause accidents so that is a known factor these devices are tracking.

Another thing they could be tracking is what times of the day you are driving. Are they high traffic times?

Maybe distance and which roads are you frequenting? Are they high traffic roads with known accidents? Insurance companies always look at the history of zip codes when considering price. Not sure how that could affect price but everything is data driven these days.

Tracking your driving habits can give the insurance companies more insight in how to rate for future premiums/claims. This is something being offered by many insurance carriers, and only more will adopt the technology in the future.

Initial discounts can continue with the policy based on behaviors found. So those good drivers will finally get the discounts they deserve!