Thursday, September 23, 2021

Why is auto insurance more expensive if you pay monthly instead of every six months?

Because insurance companies use monthly payments as a screen.  By offering a big discount if you pay for six months, you screen out bad drivers, who cannot afford to do that.  

This screen works for the same reason that screening on credit scores works, there is a positive correlation between credit scores and expected costs of insuring a driver.   


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