I developed an app called Good Driver (from Portuguese “Bom Motorista”). The goal of the app is to solve the problem of inefficient risk and price calculations done by insurance companies. Since those companies don’t have much real data about drivers, they need to rely on statistical models to calculate average risks. As a result, everyone ends up paying pretty much the same thing for an insurance policy. In other words, the good drivers need to foot the bill for the reckless ones. The app solves this problem by tracking several data while you drive (e.g., average speed, acceleration pattern, streets most used, seat belt usage) and then by creating a driver profile that can be shared, upon your request, with the insurance company.