But I also think that the insurance companies should be able to have tiered policies."
Me too.
If you carry a cellphone in your car, you should have to have double the liability.
If you put on makeup while driving,triple liability.
If you drive 60 in the fast lane and ignore the cars behind you, and flip off anyone who honks or flashes they're lights,
your insurance company should cancel you, cause you are a moron.
Hah! Good ones....ever see someone read a paper while they drive???