I did the snapshot thing from Progressive... dropped my rates 30%. I don't drive my cage in a manner I'd be worried if I was being observed -- I'm still against it on premise, but I really have nothing to hide and cheaper insurance means more money in my pocket. Besides, they say they aren't collecting speed data or location -- just mileage, engine "ON" time, and deceleration rate (e.g. 'hard brakes'). [Or so you're told, I'm not as naive to think they didn't collect more than that, but I wasn't worried about it]. Now, that still never stopped people from cutting ME off and me getting the thing beeping at me for a hard brake event, nor would it be able to differentiate whether I was onroad or offroad -- I shouldn't be penalized for a hard brake if I'm in my driveway or in a farmfield somewhere. Either way, I saved a bunch of cash on my car insurance. Regarding the 'black boxes' -- automakers have been putting EDR's on cars since the OBDII standard came online (approx 1996), and some maybe before that in order to study crash data to make cars safer, and to CYA themselves against litigious Americans. So, you are being "observed" whether you like it or not -- the data is there, it's whether they want access to it. /*back to the scheduled discussion