I turned 25 last year, which in the highly mathematical and calculating eyes of the US insurance industry meant that I had suddenly matured into a much more responsible driver than I was at 24 years and 364 days of age. As a result, I expected my insurance rates to go down. Imagine my surprise when my insurance renewal notice from GEICO actually quoted a $50 increase in my insurance rates. To me, this was a clear signal that it was time to switch companies. Typically, I score really high on brand loyalty. I tend to stick with a brand for as long as possible, unless they really mess up. This qualified as a major mess up. As a result, I started shopping for insurance quotes. Two companies that quoted me significantly lower rates (30%–40% lower) were Progressive and Allstate. Both had an optional programme that could give me further discounts based on my consenting to the companies tracking my driving habits. Now, I am a careful driver – I hardly ever accelerate hard. I hate...