I currently use Progessive Insurance with an option called Snap Shot on my phone to reduce rate. I looked at my record and notice I only receive one star out of five stars because I had 15 hard breaks in one day. I hardly ever use my brakes due to the regen option. Found out if I continue my rates will increase a lot. Their algorithm is not compatible yet with electric car regen options. When I lift up on the gas pedal it shows up as a hard stop, Same problem May show up with other insurance companies.