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every car manufactured since 2006 contains a tiny OBD chip mounted under the dashboard. This chip records how your car is used. It tracks miles driven, at what speed, times of sudden braking, speed of turns, and gas mileage. This data was originally designed to help repair the car. Some insurance companies, such as Progressive, will lower your auto insurance rates if you give them access to your OBD driving log. Safer drivers pay less.