Car insurance companies are increasing their use of telematics to write better insurance policies. Progressive has done it for years, but new mobile apps are making it even easier. Pretty soon insurance providers will require a driver to allow tracking. If the driver does not agree to be tracked, they will not only pay higher premiums, but they might be denied insurance from most companies. It could be like having a shady credit history, or failing to provide the basic “know-your-customer” information required to open a bank account.