According to The New York Times, your driving may be secretly scored as auto insurers increasingly monitor driving habits through data collection, impacting both insurance rates and privacy.

You are aware of your credit score. It may also be the case that you have a driving score.

Your driving habits, such as how frequently you brake hard, accelerate, use your phone while driving, or drive late at night, are all factored into your score.

You will find it more difficult to ascertain your driving score than your credit score. However, it is accessible to auto insurance providers, which may have an impact on your premium.

Auto insurers have been attempting to encourage consumers to sign up for programs, also known as usage-based insurance plans, that track their daily driving to better reflect the risk associated with the policy for the past 20 years. However, customers who value their privacy have been hesitant to enroll.

Consequently, the industry has adopted a dif...