You cannot know the limits of your vehicle and yourself, and operate safely within those limits if you do not know what those limits are. My driving style contributes to safer driving because I know when I might exceed the limits. As I mentioned, I adjust my driving style for conditions. If my driving was so egregious I would have a driving record.

Giving the insurance company more ways to judge me only enables them to charge me more, without my actual level of risk changing at all.