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In my younger days, I had 3 tickets in one year and had to pay the dangerous driver premium.... yet I had full blown roadstar discount.... Kinda conflicting to say I'm a dangerous driver and a safe driver at the same time...
I wouldn't mind a retroactive refund type system. Make everyone pay more and anyone who manages to be claim free and ticket free for 5 years can get a refund of some kind. Kinda gives a monetary incentive to drive safely if you can get a big chunk of change back every 5 years. Maybe pay full price up front, get your CRS level discount refunded back to you after 5 years.
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"Damn fine car Dodge... Ran over me wife with a Dodge!", Zeke
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