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I have heard all ready some people's insurance rates went up due to data sold to insurance companies bu auto makers.

I almost wonder if here in the US, the very rich and Congress Critters can purchase Autos without all that spyware.

Next your rate will be higher by default if you have an older car that doesn't provide any data.
You wonder? You bet they will!
Sounds like something the EU could regulate?
Are becoming? They became that a few years back.
Wish Tutanota pushed out better information here. This is just a high-level overview.

Real mitigations include removing the telematics modules in the vehicle, often known as the Data Communications Module (DCM). Also replacing the default radio with a 3rd party radio can dispense with the embedded secondary LTE modem, GPS, hotspot, WiFi, etc.

tl;dr, radio replacement and removing the telematics module (often above the radio)

Can you point to some resources?
Unfortunately, this will vary drastically depending on your model/vendor. But radio replacement videos are a good way to get a feel, along with wire harness kits for the radio. They often have documentation that details what function is where
OK. So, capitalists: why is there no business model built on selling people products, from phones to cars, that lack spying capability?

Understood, there would be a premium. But, as we all know, freedom isn't free. It costs $1.05.