You already do if crashes or tickets show that you’re a bad driver.

Insurance company profits are not a valid reason to implement pervasive surveillance, especially given all the potential for abuse of this data.

Part of the problem is it just gets shoved into a model without enough data support. So I hit the gas hard merging onto the freeway? Of course; your brakes are much more powerful than your throttle if you need to take evasive action, and merging onto the freeway at 50mph is dangerous. The model just sees that you like keeping your foot on the gas from time to time. To keep your rates low you have to drive more dangerously, and that's not the sort of incentive structure I like to participate in.