Oh..wait...
Oh..wait...
Um... you could give me an almost 100% discount and I'm still not giving you the very ammunition that you will use against me at the first opportunity I need to make a claim despite never having made an insurance claim in the last 20 years. Not to mention, I'm not having you watch everywhere I go, when I go, building a profile about where I spend my time, who I spend that time with, when I do that, when I'm home, when I'm not home. You can have the mandatory information I must give you in order to be able to drive my car and take care of people in the event of an accident. Beyond that, I'm not giving you anything.
Freedom is not free, except you just want others to pay, it's the classic argument against government.
The wording of your statement makes a lot of assumptions about the kind of person I am and my level of responsibility towards others without you even knowing me.