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My insurance company has a phone app that collects the same info - speed, deaccelation (gyroscopes), etc. the app is optional but qualifies you for a discount after 3 months of app history, if your driving pattern meets their standards. They told me they do not impose rate increases based on the app’s reporting, only discounts. I did not install it

but the point is: You don’t need a car device anymore.

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My insurance company's app sometimes detects commuter train rides as car trips. As far as I can tell, there's no way to tell it "No, I'm not actually driving now".

they'd be able to tell by the GPS coordinates, whether they bother, who know?

They’d be able to tell if the app were to require connecting to the car via Bluetooth. That connection won’t be there when traveling by train.

Uninstall the app?

You at least bought a burner device to do this, right?

I did not install the app.

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