Why would you think the current crop of insurers do not already skim the cream? I remember many years ago being able to only be the assigned risk pool or paying twice what my car cost every year.
There have been a couple of these safe driver companies in the last 50 years, but they usually go away soon. Couple of big incidents would wipe them out but for the pool being spread out in a large population.
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casual notes from the underground:There are some "experts" out there that in reality don't have a clue as to what they are doing.
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