The devices plug into the OBDII port so they can monitor anything the PCM will output. Think Datamaster. I wonder if they would even work on our cars since GM has moved on to different buss and our 1996 PCM's were only around for about two years.
That said Insurance companies are mostly concerned with two parameters. One, how many miles you drive. Less miles driven equals less risk for them. Two, how fast you drive. Hard to track that in city driving as the speed limits change often. On my way to work one section of road has a 50 mph limit going west and a 45 mph limit going east. Go figure.
The device is essentially a bribe. We have a company that will forgive an accident or ticket if you install the device to monitor your driving. The difference in cost can be $ 300 to $ 400 dollars a year. Of course if you continue to drive agressively they will tack on the surcharge and you are
back to high rates.
96BBB,ERE-383 #7 AI Heads & Cam,TKO-600, C-6 Brakes-Tuned by TAD
96 Caprice B4U Mostly stock
08 Impala SS Tuned by TAD sold
09 Caddy CTS 3.6 Totaled by a distracted driver
01 Corvette Z06 work in progress
14 Caddy XTS V Sport daily driver