Insurance outfits have been eager to track cars in the name of lower costs and driver safety, but it looks like even major urban centers are getting in on the action. New York City is launching a Drive Smart test program that will have 400 drivers install an OBD-II tracking device in return for a range of perks. If you get in, you'll get tips on fuel efficiency, route planning and safety based on your driving habits. You'll also receive up to a 30 percent discount on Allstate insurance if you're sufficiently cautious. Ideally, this will save both you and NYC some money, not to mention a lot of frustration -- you won't add to the city's notorious traffic congestion.