It's a spectrum with that scenario at one end and at the other end: everyone paying exactly the same amount regardless of age, car, location gender, previous co

It's a spectrum with that scenario at one end and at the other end: everyone paying exactly the same amount regardless of age, car, location gender, previous convictions etc. I think that tailoring the premiums based on the driving style is fair, and would give bad drivers the option to improve to reduce their insurance, with the nice side affect of making the roads safer. It isn't going too far down the slope to do this. In the extreme, it would mean everyone would need to become a safer driver or not drive at all, which is probably a good thing. They will become safer drivers then pay a small premium to cover them for chance accidents like a collapsing bridge or a blown out tire.