@tjcomedy IMO all these programs do is collect data, analyse it, offer you perhaps a pittance for your time and data, while their executives sit in conference rooms devising ways to use it against their customers as a way to increase premiums. God forbid you ever get into an accident, they could include looking at your "B" driving score that they now have on record and use that to help re-assess their "risk" insuring you - you can be sure it won't be in your favor.
Also IMO insurers are also looking to obtain a database of the more granular data on human drivers. If they gave you a "B" score for 0.05 "hard breaks" per week, to justify giving you such a small discount, then they've essentially gotten your data, data that could possibly be used against you someday, for pennies. The money they spent on the monitoring devices is a "business research" investment that will be a tax write-off.
In addition, in the future self-driving cars will become a thing, and it may happen that the insurers will want to charge human drivers higher premiums than those who use self-driving cars. If they already have databases full of the granular data on human driving behaviors, it'll be all ready to present to regulators to support their claim for the premium hikes/pricing structure. Insurers look to make money both coming and going. Any small discounts they may offer now, will be gone as soon as they decide to change "their rules".
The fact they gave you a "B" score tells me they are not trying to help You, but rather to help themselves. If they can acquire the data they seek voluntarily, via these "discount programs" (that they have written all their own internal judgment rules for), then they won't have to look like they are descriminating against humans. They also would probably like to see us all "conditioned" to using these invasive, unregulated devices down the road - along with all their own rules, of course.