Your Car Has Been Secretly Selling You Out.
The same driving data that raised Phil Siefke's insurance rates is being collected in millions of cars right now. Find out if yours is one of them — and exactly what to do about it.
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As Seen On
National Coverage
Local Broadcast
Syndicated Feb 2026
The Problem
Your car is watching you. And selling what it sees.
Modern cars have built-in tracking systems that quietly record how you drive — your speed, how hard you brake, how fast you turn corners — then send that data to other companies, including insurance companies.
Most drivers never said yes to this. The sign-up is buried in tiny print on setup screens that most people tap through without reading. The result: your rates go up and you never know why.
Phil Siefke found this out the hard way with his Toyota RAV4. He took legal action. CNN covered it nationally. And now he's sharing exactly what he found — and how to check your own car.
What's Inside
The 5-Minute Check — Step by Step
Find Your Built-In Tracking System
Exactly where to look in your car settings, app, and owner account to see if data sharing is turned on.
Find Out Who's Buying Your Data
The specific companies that buy and sell your personal driving information and how they sell it to insurance companies.
Opt Out — The Right Way
Step-by-step instructions to turn off data sharing for the 12 most common car brands, including Toyota, GM, Ford, and Hyundai.
Check Your Insurance Policy
How to read your current policy for data-sharing fine print and what to say to your agent to get it removed.
Fight Back Against Higher Rates
The exact words to use when fighting a rate increase tied to tracking data — and what your legal rights are.
Stay Protected Going Forward
Simple habits that stop you from getting signed up again and keep your driving data private for good.
Phil's Story
I hit my brakes. My insurance company knew about it the next day.
Phil Siefke was driving his Toyota RAV4 when he noticed something weird in his insurance renewal. His rates had gone up — and the reason mentioned driving behavior data he never knowingly shared.
After digging into it, he found out Toyota had quietly signed him up for a data-sharing program through a setup screen he had tapped through when he first got the car. The data was being sold to Progressive Insurance.
He took legal action against both Toyota and Progressive. CNN covered the story nationally in February 2026. WTSP covered it locally. The story spread across major networks — and thousands of drivers reached out saying the same thing had happened to them.
“The system is built to help the company, not you. But once you know where to look, you can take it back.”
— Phil Siefke
What Drivers Are Saying
Real Results. Real Savings.
“I had no idea my Chevy was sharing my data. Followed the guide, turned it off, and my renewal came back $312 lower. Worth every penny.”
Marcus T.
Tampa, FL
“Phil's guide is the most useful thing I've read in years. Found the tracking setting in under 3 minutes. My agent confirmed it was affecting my rate.”
Sandra K.
Austin, TX
“After seeing Phil on CNN I bought this right away. Found out I was signed up for two separate programs. Turned off both. Saved $480 at renewal.”
Derek M.
Atlanta, GA
Common Questions
Frequently Asked Questions
Does this work for all car brands?
What if I already turned it off through my car's app?
How fast will my insurance rate go down?
Is this a physical book or digital?
What if I don't save money?
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Stop Paying More Than You Have To.
Most people never find out until it costs them. This 5-minute guide has helped drivers find data-sharing programs that push up their rates — and save $100s on their yearly car insurance.
Could save you hundreds per year. Just $17.
Get Instant Access — $17Have questions? Reach out directly.
phil@philsiefke.com