But you may not know that your car may already be sharing driving data with insurers without you ever opting in.

The Data Your Car Is Already Sharing Millions of drivers have had data brokers like LexisNexis and Verisk share detailed trip-by-trip data with insurers without their explicit consent, and many saw their rates rise as a result.

“Insurers can generally use your driving data if you agree to share it, but many drivers never realize they agreed to anything.”

How Your Driving Score Gets Built A driving score is essentially a grade given based on how you drive.

“Your driving data often goes through data brokers and other third parties before it reaches your insurer,” Chalaki notes.