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Have you never bought insurance before? Car insurance at least has always been based on assumptions from a bunch of data about you.

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Of course I did, but apparently seems like you're the only one having bought before right? I never paid more based on the driving style, simply because they no way to check.

There are overall considerations (eg. Age of the driver, cat accident history etc) but was never about how I drive my car.

You seem to be arguing against yourself?

You said "It used to be that you'd get a high insurance fee only if you cause incidents or damage".

I'm saying that no, Insurance cost has always been based on factors other than just accident history. And you seem to be agreeing with me.

Well, I was arguing about driving style. Don't read between the lines.

Driving style was never (at least from where I'm from) a factor that determines the fees of the insurance

If that's in the United States, then almost all states allow insurance to at least give you a rebate based on your driving style and the technology has existed for nearly a decade[0].

0: https://youtu.be/NalBLhboZQU

I don't live in the united states, but thanks for pointing that out.

So people should be priced based on the things outside their control rather than those they can control?

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