To play devil's advocate, I honestly don't think it's hard to determine that from the data.

what data? if i let a passenger use my phone to check something while i’m driving this will negatively impact me.

The phone usage data. You use a phone very differently when you're driving and when you're a passenger.

Great. Now they're not just analyzing my driving habits, but they are also analyzing my porn habits.

Indeed they do. As I said, devil's advocate...

The apps allow you to mark the trips on which you were a passenger and those aren't counted

This may not be true of all such apps, but I open mine and it subdivides trips by every stop (including stop signs and lights). Then when you don't do it for 3-4 days, you have 50 trips you need to click through.

My time was worth more than the savings they offered. In fact, it was insulting.

I should not have to spend 3 hours per month categorizing my trips for their data mining expedition for a $30 discount (especially not one that evaporated at the next renewal, because I wasn't safe enough). That app was rigged.