A reader proposes driving auto insurance “blackout” days

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.

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One Response to “A reader proposes driving auto insurance “blackout” days”

  1. Stephen Says:

    I love the idea, but I don’t know if it would work in practice. Many people would sign up for this for the discount, but I suspect most of them would not change their driving habits. “There’s no way I’ll have an accident on THAT night.” The number of drivers would hardly decrease, but the percentage uninsured accidents would skyrocket.

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