Any pre-OBDII system vehicle owner should be able to sue the pants off them for discriminatory practice.
Explain the discrimmination angle ...
There are already stand-alone instruments that measure braking, cornering and accelleration forces. The car magazines used to use them to measure performance, perhaps they still do. I'm sure that the insurance companies will be quick to adapt that hardware to their system, so the pre-OBD car owners can get the lower rates, too.
“Any pre-OBDII system vehicle owner should be able to sue the pants off them for discriminatory practice.”
If your car is pre-OBDII, the tracking system won’t work. They’d have to use something else.