Look, once again that’s not how rates work. What you’re describing is segmentation, which is another way of saying geico charges the people without speeding ti

Look, once again that’s not how rates work. What you’re describing is segmentation, which is another way of saying geico charges the people without speeding tickets less than those with speeding tickets. If ACME co decides to charge everyone the same, then the drivers without speeding tickets will go switch to geico leaving ACME holding the bag of speeders… and losing a ton of money since prices weren’t set for that. Switch speeding tickets with hard breaking or whatever other thing correlated with accidents. Also, as far as fairness goes, using actual driving behavior sound far better to me than using credit scores. But strangely I don’t see nearly the same level of complaints about that