Earlier quoted context omitted.
>I'd love to be rewarded for actually being a good driver. Rather than being lumped in with bad drivers who have a high chance of being in $50k accidents, which everyone has to collectively pay for. The whole point of insurance is not to lump you into good driver / bad driver categories. If you make bad drivers consistently pay for accidents, then you might as well not have insurance at all, and you'll pay perfectly…
The entire point of insurance is to pay based on risk . Someone with a bad driving record should, and does pay much more for insurance than a normal person. An old person should and does pay more for health or life insurance. A wooden house costs more to get fire insured than a brick building. The point of insurance is not to let bad drivers get away with their bad driving. It's to make sure you aren't punished for b…
Re: A Car’s Computer Can ‘Fingerprint’ You in Minutes Based on How You Drive
#71You already pay based on risk without insurance. You pay insurance to reduce your risk -- to reduce the costs associated with an accident.