[DallasDeb]

Well, yes, but this is actually a good idea, especially if you have a car that you don’t drive much and only use for Sunday drives, etc

But that means doing away with "group" rates where rates are normalized because you have high users and low users that balance the costs.

[commish]

But that means doing away with "group" rates where rates are normalized because you have high users and low users that balance the costs.

if you use your cell phone more than I do, do you not get charged more?

If you buy more groceries than I do, is your food bill not larger than mine?

So, if I only drive 50-100 miles a week, why should I be charged the same as a person driving 1000 miles a week with the same driving record?

[Spktyr]

Yes, but when you have a car that does, at MOST, 250 miles a year, it’s rather silly to force you to pay for coverage time you don’t use.

Also, many states, including CA, require you to have any automobile you possess registered and insured - even if it is in boxes and crates and not operable. Staying legal in that environment is usually a huge expense.