Driving down the cost

Car insurance premiums are based on how many accidents and tickets you’ve had, but they should be based on how many times you weren’t caught. “Did you run three red lights, today, and not get caught? Good job. Here’s a discount. Did you rear-end someone, and the driver didn’t ask for your insurance card? Here’s a discount. Did you drive the wrong way down a one-way street and make all of the other cars turn around? Here’s a discount.” And, what about the student discount? “Did you make it all the way through high school and earned your diploma, but you still don’t know how to read? Here’s a discount. Did you cheat on the DMV vision test by memorizing all of the letters before closing one eye? Here’s a discount.”