“You put the device in the car and a lot of the historical rating variables and the data associated with it become irrelevant,” he said. “Claims history is irrelevant, convictions are irrelevant. How you accelerate, if you have lane drift, or if you’re speeding in a school zone, the conditions that you drive in. You can overlay weather data. There are all kinds of great things that you can do to get at the actual risks associated with driving the vehicle.”