I’m going to go out on a limb and say you’re not understanding: it’s not only the insurance company’s app doing the tracking; it’s potentially any app that asks for location data.

Sometimes apps ask permission to use your location data and you find yourself wondering, why does this app need to know where my phone is?

This is one possible reason.

Whenever you are asked to share your location data with an app and there’s no clear reason why you might need to, deny the app that permission.

I’ll concede that maybe it’s me that is not understanding. 😊