Insurers and privacy advocates are disagreeing about the shift to what some have called "pay-as-you-drive" auto insurance, Newsmax reports.

The new model uses tracking systems in vehicles to monitor their use, recording the times, places and distances their drivers travel, among other factors. This data is then used to set auto insurance rates on a more individual basis. The systems even track such specific events as sudden stops.

Proponents contend the system allows rates to be set at appropriate levels for individual drivers, keeping insurance costs fair and presenting an opportunity for savings. Some insurers have stated the tracking will encourage drivers to be more careful in order to secure lower rates for themselves.

Those against the systems argue they represent a breach of privacy, giving insurers a great deal of information about their specific customers' habits and lives, according to the news source. Some insurers have responded by indicating they do not expect all consumers to participate in such programs, but still wish to implement them when possible.

More insurers are starting these programs as the service matures, and regulators recently approved a new offering in one state. It remains to be seen whether any new laws or regulations will be created to restrict or govern their use.