In fact, Policygenius’ annual Home & Auto Insurance Technology survey found a 10% rise in 2021 over last year of consumers who reported they would decline a discount. Sixty-eight percent said they wouldn’t install an app that records driving behavior, although 67% of that group would change their mind if the rate was dropped by more than half. And 65% felt no discount was worth installing a smart home device that shared data with insurance companies.