What if you paid for Auto Insurance with every gallon of fuel that you bought--a pay-as-you-go/pay-as-you-use system. We would immediately eliminate every uninsured and under insured driver on the road.
The average annual miles driven is someplace between 12 - 15,000. What if you only drove 5,000 and you paid insurance only on the miles driven?
Here is my suggestion: Insurance tax on a per gallon of gas, bio-diesel, diesel or propane. I'm not sure how it would work for Electric or Solar but we have a few years to figure that one out. What happens when you buy a gallon of gas is you are also buying insurance for that amount of driving. If you drive a high MPG car then you get more bang for your buck. If you drive a gas sucking SUV then you'll pay more based on the fact that it will take you more gallons of gas to drive the same distance. If you drive 5,000 miles a year then you'll pay for 5,000 miles of insurance -- if you drive 50,000 miles a year then you'll pay for 50,000.
A driver who spends 8 hours a day on the road should pay more of the cost of insurance than a mom or dad who simply run to the store and to drop-off or pickup kids from a music lesson.
Just a thought.
You have been given a voice, use it. Go out and SCREAM! about something you care about.
Auto Insurance, 
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