It's already started. My insurance State Farm has already advertised you can get a lower rate if you drive around with their dreadful phone application. Won't be long until it's mandated you drive with one or else you're stuck with an "unsafe driver" charge on your insurance.
That's already happening in the sense that companies are able to offer these discounts for their telematics-using customers by surcharging all their other customers. If you're not using one of these devices, you're already paying for it, even if it's not formally recorded as a fee.
