<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>whack</author><text>Discriminating against insurance customers on the basis of things they cannot control, like their age or gender, is not good.&lt;p&gt;Discriminating against customers on the basis of driving habits that they have control over, like how fast they drive, or how hard they swerve, is completely fine.&lt;p&gt;If driver A drives safely at the speed limit, and driver B constantly pulls stunts at speeds well over the speed limit, B is much more likely to get into an accident than A. Why should A have his premiums raised just to subsidize B&amp;#x27;s voluntary driving habits?&lt;p&gt;By making B pay for the costs of his unsafe driving habits, and rewarding A for his safe driving habits, this feels like a great marketplace improvement.</text><parent_chain></parent_chain></comment><story><title>The big data of bad driving, and how insurers plan to track every turn</title><url>https://www.washingtonpost.com/news/the-switch/wp/2016/01/04/the-big-data-of-bad-driving-and-how-insurers-plan-to-track-your-every-turn/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>reallydontask</author><text>One can easily see how this will end up being near universal as people will be charged a massive premium if they choose not to use tracking.&lt;p&gt;It will be sold&amp;#x2F;marketed as a discount if you use it, of course, but it&amp;#x27;s the same.&lt;p&gt;It remains to be seen whether it will have any actual effect on the way people drive.&lt;p&gt;Alternatively, self-driving cars take over before we&amp;#x27;re are effectively forced to use tracking</text><parent_chain></parent_chain></comment><story><title>The big data of bad driving, and how insurers plan to track every turn</title><url>https://www.washingtonpost.com/news/the-switch/wp/2016/01/04/the-big-data-of-bad-driving-and-how-insurers-plan-to-track-your-every-turn/</url></story>