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Originally Posted by Erick Estrada
Never but that's the reality of bearing the burden of all the poor drivers on the roads. IMO there should be bigger breaks for drivers that never get into accidents as there seems to be no reward for being a good driver.
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I suspect that is because from an actuarial standpoint the cost differences between different driving histories isn’t more than about the triple that you see in rate differences. An insurance company would love to be able to determine the safest drivers and offer them lower rates. It would be a huge competitive advantage.
So it means that either the difference in quality between good and bad drivers isn’t as high as we think or that past history isn’t as predictive as one might think.