Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Why is auto insurance ridiculously overpriced for those who drive few miles?
Insurance rates are about assessing risk.  If the insurer has no way to reliably and easily assess usage, they will not reduce the premiums.  Many companies are providing tracking devices that connect to the OBD-II port. This not only tracks actual miles driven, but can typically track aggressive driving, time of day, length of trips, and other information. Unless you are using this kind of device to give the insurer actionable feedback on your driving habits, do not expect any discounts for mileage or usage.