[Prudence]

I'm glad to see that the insurance initiative failed. It was a way to jack up rates flavored as a benefit to you. There are so many legitimate reasons for a lapse in coverage - including military service overseas, living in Manhattan for a few years, changing insurance companies and they botch the start date so coverage doesn't overlap. It gives them an opportunity to eliminate the loyalty discount while appearing to extend it. I don't think they would have spent that much money on the campaign if they didn't anticipate that chances to void loyalty and impose "surcharges" weren't going to exceed extensions of loyalty discounts to new customers.

Plus, there are an awful lot of uninsured motorists out there and it sure sucks to get hit by one. If an uninsured driver decides to go legal, this proposition would have been a barrier. I'm not in favor of increasing incentives to forgo insurance.