Insurance companies are in theory statistics companies. They collect data on data points to infer where cost savings can be. Although in practice they are mone

Insurance companies are in theory statistics companies. They collect data on data points to infer where cost savings can be. Although in practice they are money making companies, and likely use statistics to find ways to upsell you. So once upon a time car alarms were rarer, and they could charge more if you didn't have one.