Read this before you renew your car insurance

You’ve probably seen this pitch from your insurance company: “Drive safely and save. Sign up for our smart driving program today!”

You’ve got a squeaky-clean record, so what’s the harm, right? Before you sign up, let’s pop the hood.

😳 What they’re tracking

These programs use an app on your phone or a gadget in your car to monitor how you drive. It tracks:

  • Speed
  • Hard braking
  • Quick acceleration
  • Late-night driving
  • Phone use behind the wheel

That data gets mixed with your age, ZIP code and driving history to build a score. If your score’s high enough, you might get 10% to 30% off your premium. Sounds good, but there’s more to it.

🤑 Your driving habits = gold mine

State Farm dings you if you go just 8 mph over the limit, even to avoid an accident. GEICO and Allstate frown on nighttime driving. That’s fine if you’re in bed by 9, but not if your kid’s practice wraps up after dark or you work the late shift.

You can bet every insurer, including Progressive, Travelers and, yes, State Farm, tracks phone activity. That means if your screen lights up in your pocket, you’re “distracted.”

Use Do Not Disturb While Driving mode and stash your phone in a compartment or mount. Even pocket motion can trigger a flag.

🪄 Your data doesn’t disappear

Here’s where it gets sketchy. Some insurers raise your rates if they think you’re risky, even if you never file a claim. And they’re not always transparent about how long they keep or share your data.

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🍏 iPadOS 26: The Files app has a new list view with columns that you can drag to resize or rearrange. Long-press a folder to customize it with colors, tags, icons or emojis. And if there’s a file or folder you open all the time, drag it straight into your dock

🖥️ macOS 26: Spotlight search got an upgrade. Open it with Command + Space bar, and when you move your cursor into the search field, you’ll see four new tabs on the right: Apps, Files, Actions and Clipboard. Use Files to find documents with natural language, Actions to run shortcuts, and Clipboard to see everything you’ve recently copied.

watchOS 26: New automatic speaker adjustment raises or lowers Siri and call volume based on the ambient noise around you. To check Silent Mode, open the Control Center and tap the bell icon.

📱 iOS 26: Screenshots work differently now. First, go to Settings > General > Screen Capture and toggle on Full-Screen Previews. When you take a screenshot with Side + Volume Up, you enter full-screen edit mode. Crop the image, use the markup tool at the top to draw or write, then tap the Tick button to Save.

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📺 Use Roku Guest Mode: Got friends or family using your TV? Let them sign in with their own apps, so they don’t mess up your recommendations. Go to Settings > Guest Mode > Enter Guest Mode, type your Roku PIN and hit OK. When they leave, exit Guest Mode to get back to normal. Perfect for Airbnbs, too.

🌙 Dim your Android screen: At the lowest brightness, your phone can still feel blinding at night. Go to Settings > Accessibility > Vision enhancements > Extra dim and turn on Extra dim shortcut. Press Side + Volume buttons together to darken the screen, then press again to brighten it back up. Don’t see it? Check Quick Settings.

🔒 Lock your Kindle library: Make sure no one snoops on your books. On the Home screen, tap the three-dot menu (top right) > Settings > Device Options > Device Passcode. Enter a code, confirm it and hit OK. Done.

⚡️ 3-second tech genius: If your computer isn’t recognizing a USB drive, try another port. Still stuck? Restart your PC with the drive plugged in. That forces a clean reload and makes it show up.

watchOS 26: The Workout app has a new look. Scroll through the list of workouts, and when you pick one, you’ll see five buttons. Play at the bottom starts your session. Top-left is Workout Views to choose your metrics, top-right is Goals and Targets, bottom-right is Notifications, and bottom-left is Autoplay Media.

💻 macOS 26: Translation is built in more than ever. In Messages, your Mac can auto-translate text and show it alongside the original. In FaceTime, you’ll get live translated captions during calls. The Phone app even adds spoken translations for regular calls. FYI: Some features require Apple Intelligence, so you’ll need a Mac with Apple Silicon.

📱 iOS 26: The Camera app’s been fully redesigned. At the bottom, everything revolves around two main buttons: Video and Photo. Swipe left from Video for capture modes like Slo-Mo, or right from Photo for modes like Portrait. Once you’ve picked a mode, swipe up for options like Flash and other controls.

🍏 iPadOS 26: There’s now a Mac-style menu bar. When you’re in an app, swipe down from the top to open it. Next to the traffic lights icon, you’ll see menus for everything the app can do. In Mail, for example, tap File > New Message. Works great with a keyboard and mouse, but touch does, too.

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🔍 Check site info in Chrome: See that little tune icon in your address bar (two lines with two circles)? Click it to view a site’s security and permissions. You see if your Connection is secure, and under Site settings, you can change what the site can access, like your camera, microphone or location.

🔥 Your new robot intern: So Amazon just handed sellers a robot sidekick. Their updated Seller Assistant actually does stuff for you, like fixing account issues, ordering inventory, even sketching out a business plan. Over a million sellers already use Amazon’s AI to crank out listings, and this upgrade’s free. For now.

LUV hurts: Imagine checking the mail and finding 15 tickets from states you’ve never even driven through. That’s what happened to a California woman with the vanity plate “LUVSICK.” Turns out, a clothing brand was selling fake novelty plates that looked almost identical to hers. She lawyered up and got them pulled offline, but not before fighting every bogus ticket.

Multitask on your Android: Browse Instagram while replying to messages at the same time. Open your Recent apps, tap the app icon at the top of one, and select Open in split screen view. Then choose your second app. A slider will appear between them, so you can drag to resize each window however you like.