The incentive would be being able to pay very little to get coverage which insures you even for the circumstances where a safe driver would crash. Wouldn't a s

The incentive would be being able to pay very little to get coverage which insures you even for the circumstances where a safe driver would crash. Wouldn't a safe driver who was considering unwisely dropping coverage be more likely to drop coverage if coverage was expensive(because they are subsidizing unsafe drivers), as opposed to if it was cheap?