percent. In Great Britain, a major insurer is testing a program called Pay as You Drive. Volunteers will get a device the size of a Palm computer installed in their cars.

The gadget will use global positioning satellite technology to track where the car goes, constantly sending information back to the insurance company. Cars that spend more time in safer areas will qualify for bigger discounts.75 Of course, the potential downside to these efforts is that the insurance companies m aybe able to collect data on where you have driven, how long you stayed in one location, and so on.

Conduct a poll of