I assume there's some regulation against only insuring drivers with perfect records? Otherwise I think I would have heard of it by now. I see the logic you're u

I assume there's some regulation against only insuring drivers with perfect records? Otherwise I think I would have heard of it by now. I see the logic you're using, but considering that almost nobody would have insurance if their lender/state didn't force them to, the same number of people would have insurance regardless of whether they advertised. It's a zero-sum game, no? Separately, the same ads that might attract good drivers to my pool could also attract bad, and sadly I suspect that the people who are persuaded by ads are slightly less intelligent and more risky behind the wheel.