> ...require that a car be continuously insured... This doesn't seem like an issue, maybe I'm missing something. You just model it as continuous insurance base

> ...require that a car be continuously insured... This doesn't seem like an issue, maybe I'm missing something. You just model it as continuous insurance based off mileage rather than insurance that's only active when driving. Metromile et al are conventional insurers except that they use actual rather than estimated mileage in their pricing. I think the real reason that there's a monthly fee is that actuarial risk isn't linear with mileage.