The main difference with this case is that you can shop around for different insurance, and different insurance companies use different algorithms to determine

The main difference with this case is that you can shop around for different insurance, and different insurance companies use different algorithms to determine risk. You can, of course, question them. In many cases they're open source, they're usually government-audited, and in some countries, even government mandated. Edit: hackuser beat me to the point - https://news.ycombinator.com/item?id=11957351 https://news.ycombinator.com/item?id=11957351