Progressive Insurance recently starting airing commecials promoting their Snapshot device. The idea is, you plug the device into your car's computer, which then tracks your driving habits. Progressive analyzes that data and decides whether or not you deserve a discount for being a good driver. It's described in this Wall Street Journal article. At the begin of the commercial, Flo tells us that this is "patented," but the article goes on to say >"With competitors looking to catch up, Progressive is already working on the next step in usage-based insurance. In a few years . . . the company may not need customers to install a device in their cars to participate in the program. The data could be gathered from a customer's cellphone instead."< I think in less than 15 years, either the insurance industry or the government (or both) will mandate one of these devices be installed in your vehicle order to have auto insurance. Focus: What do you think of this device? If you used it, do you think your rate would go up or down?