Any thoughts on these behavior devices from insurance companies? I've read many reviews about these devices (Progressive's Snapshot device, for instance), and these devices seem to be looking at three key points: Hard-breaking Hours of drives (3 time zones of high risk, medium risk, low risk) Length of trips We do live in a large city, but we haven't been experiencing a ton of hard breaking, we don't drive during the high or medium risk time zones, and our length of trips are quite low, except on weekends. My only worry is the constant on/off of the ignition. Thoughts? Experiences?