Is Your Driving Being Secretly Scored?
You know you have a credit score. Did you know that you might also have a driver score?The score reflects the safety of your driving habits — how often you slam on the brakes, speed, look at your phone or drive late at night.While you can see your credit score, you will have a harder time finding out what your driving score is. But auto insurance companies can get it — and that could affect the rate you pay.For the last two decades, auto insurers have been trying to get people to enroll in programs, commonly called usage-based insurance plans, that monitor their day-to-day driving so rates better reflect the actual risk. But privacy-minded consumers have been reluctant to sign up.So the industry has taken a different tack, getting data about how people drive from automakers or from apps th...