«
»

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.

Tags:

This entry was posted on May 19, 2008 at 5:02 am and is filed under Blog posts. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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

  1. Stephen Says:
    May 21, 2008 at 5:46 am | Reply

    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.

Leave a comment