Years ago you could buy a device that let you plug those trackers in but then take them into your house (or wherever, out of your car) while still powered on. So you could take the most conservative little drive at the easiest and mist empty time of day, remove the device, and drive normally for your actual driving. After the monitor period your rates would go way down because you braked and accelerated like a grandma and barely drove your car per the records.