It ALWAYS wants to see my location It wants access to my health and fitness data
I obviously can't justify the discount by giving up my privacy. My wife says I am paranoid and she doesn't see anything wrong. I am assuming most people won't.
Soon Geico (DON'T WASTE YOUR 15 MINUTES) will have everything they need. They promise they won't use the data to raise rates, only to give discounts but in few years or even sooner, they will cancel high risks and then make them pay higher rates to join. Who the hell is going to read 100 pages of terms.
All these insurance companies have apps like these.
Likely time to go check on a comparison site for a better rate. Sometimes Geico can try to match that if you have a new quote at a lower price, or you can just switch.
Disclosure: I work at Clearcover (https://app.clearcover.com/apply), the company my wife and I switched to, but I don't think anyone would argue with a $500/6mo rate to a $180/6mo rate (employee is discount is ~5%).