> If I put a tracking device in my car today my rates would go up because I accelerate quickly and brake hard when conditions allow. That is not right.
If statistically other drivers who do that are more likely to, on average, result in a loss for the insurer, they are right to raise your rates. "Past Performance is no guarantee of future results"
With enough data, maybe it would support your assertion that you are, in fact, a very safe driver, by realizing that you only drive fast at certain times, in certain locations that are statistically lower risk.