I'm not sure what that question gets you, because this won't be the case. But where is their price floor right now compared to their operating margins? If the

I'm not sure what that question gets you, because this won't be the case. But where is their price floor right now compared to their operating margins? If the business is mostly actuarial risk, then dramatically lowering that risk by more accurately characterizing good and bad drivers would see premiums plummet. If the business is mostly SG&A, then better assessing individual risk would be misapplied optimization and wouldn't affect premiums much at all. (I do look forward to the next permutation, "well what if somebody lowers prices," so we can have a good round of explaining what a cartel is.) Do you have good reason to think that car insurers have formed a cartel?