They offer the driving app option, & give you a discount up front if you take it.
Then they use the driving app data to justify raising one's car insurance to a new level that you've never seen before.
The best vehicle is an old one! Drop down to liability insurance only & save money! If you hit a deer, you use salvage yard parts to fix it. Paint the entire car black or some goofy camo pattern & keep driving it!
If you hit someone's brand new Lexus SUV, you're still covered for their vehicles at least.