The question is how does it saves you money? 1. By increasing significantly the fee of whom is driving slightly worst than you (thus increasing the chance of h

The question is how does it saves you money? 1. By increasing significantly the fee of whom is driving slightly worst than you (thus increasing the chance of having people without insurance driving cars) 2. By not allowing people at risk to purchase the insurance in the first place. Which increases again the chance of having people without insurance in the road. This definitely helps insurance company to avoid paying compensations in case of accident so that they can insure only people that have very little chance to cause an accidental thus increase their margins A huge step forward for insurance, a huge drawback for society.