In most cases, drivers are at risk from the other drivers around them. Lets examine my case more closely. I commute 25,000 miles per year. I drive a 1988 Jeep Cherokee that gets about 20 mpg, and has over 220,000 miles on it. This could be interesting.
Lets think it through, and set up a neat, proactive and rewarding system.
Then, each time I buy a gallon of gas, I'm incrementing my insurance. I love it. Here it is. Simple - The thought of getting cars off the road, and giving drivers an incentive. The less you drive, the less you pay.