Oh, I agree with that. People who drive like complete assholes should definitely have to pay higher insurance premiums, but the way that they get the data to determine who these people are is just a huge privacy concern for me.

It hasn't been that way for a long time. Every car since 2018 has some sort of black box in it that it records your driving behaviors, and that data gets sent to or sold to insurance companies who then use it to raise your premiums.