[tavavex]

So, it's like credit scores, basically? Advertise a happy, meritocratic future for consumers, where the "better"/more responsible ones will reap massive rewards at the expense of the "worse" consumers, and then keep adjusting the brackets until the system is only used punitively - you don't really get anything from a high score nowadays, your only goal is clearing a certain low bar to avoid negative consequences.

[micromacrofoot]

Yeah exactly... it's stick or no stick, the carrot is the razor thin margin only used to keep you away from the competitors.

At this point car insurance has gotten so bad that it's becoming normal that you can save hundreds of dollars by switching providers every 6 months. These companies are probably making millions on people who are just too exhausted to switch constantly.