If you are responsible with your money, then you are responsible for your driving habits. Its not an excuse to charge more for premiums, its meant to reduce the cost to good drivers and charge people who are risky more. If you can eliminate the risky ones, then you can charge everyone less. For example, Amica has eliminated risky drivers. My premium at 22 50/100/50 coverage is 900$ a year, or 450 a month. If I wanted that through progressive, it would cost me 700 every 6 months. The difference offsets the loss from the risky drivers who constantly crash their car or total it. Without them, the premiums bottom out.