Reader Randall Bevan offers the following nudge proposal for auto insurance:
My suggestion is for auto insurance companies to offer “blackout” days in exchange for lower rates. A driver could agree not to drive on New Year’s Eve, Super Bowl Sunday, Labor Day and other high accident days. For even greater savings, (the driver would) agree not to drive Friday or Saturday nights after 7:00 p.m. Drivers caught driving during blackout times would simply be treated as uninsured motorists and all drivers would benefit from reduced congestion.
Tags: auto insurance