Current thread on this topic on ADVrider, as well. Lots of speculation, some truth, and interesting input from a couple of riders who work or worked for USAA and Progressive.
Started with data gathering, over there... what data do they buy, how does it affect rates, how to avoid data gathering, etc.
Hint: riding an ST1300 with no GPS and no smart phone is an idea, for thise who wish to "fly under the radar", so to speak.