Ideally, Allstate would access risk accurately and set their rates appropriately. For high-variance situations like this, over-indexing your loss ratio seems li

Ideally, Allstate would access risk accurately and set their rates appropriately. For high-variance situations like this, over-indexing your loss ratio seems like a not-so-bad move. Yes, you can get our insurance with your two DUI's but your price is 2x expected loss. Pretty solid odds if you're pretty confident in your pricing model.