&gt; they pretty much do whatever the hell they want unless there&#x27;s enough people willing to sue in a class action suit. this goes for consumer, business, financial, whatever.<p>Okay fine, please explain to me how you think they would be worse with behavior-based rates than they are today. If they&#x27;re just looking to bump rates for everyone on a flimsy pretext, there is nothing stopping them from pushing the price envelope as high as they can right now. Well, except the competitive environment they operate in, of course, which isn&#x27;t going away even with behavior-based rates. They already do whatever they want, so this lets them do it more? It seems unlikely to me, and my early experience is incredibly positive.<p>Behavior-based rates can at least remove some of the mystery behind rates rather than add to it. Behavior is personally trackable, shareable, and demonstrable. Ultimately, it&#x27;s a way to increase price discrimination, something I&#x27;m a fan of.