if they monitor your driving habits why not do the same for cell usage?
USAA has a program to lower your rates that uses an app on your phone and they monitor cell usage.
Not sure if it matters to them if it is hands free or not ether.
Not going that route for anyone.
One of the things is that I put most of my miles, 50k a year, on the work truck. Maybe 1000 miles a year on my POV. I sure don't want to pay USAA for the miles I put on the truck. Not sure how they know your a driver or a passenger either.
