henry copeland:

When the insurance company monitors your driving in real time does it help? New research finds that it helps on a number of levels, from safety to consumer cost -- ScienceDaily

"We found that UBI users tend to improve the safety of their driving in general, and in once specific area by decreasing their daily average number of hard-brakes by an average of 21 percent after six months," said Miremad Soleymanian. "Our research found that the number miles driven tend to stay the same and that both younger drivers and females tend to improve their UBI scores more than older drivers and males."
- www.sciencedaily.com