Sometimes the point of buying something isn’t going to be to find the cheapest thing that you could find; and that’s certainly the case with cheap car insurance. Because when you appreciate what car insurance actually does for the subscriber, which is serve a s kind of barrier or cushion between the full brunt force impact of the costs involved in any sort of accident, and the subscriber having to bear that impact himself, full on; you really have a product here that’s worth paying into. And in fact, for dollar that you put into a policy and into an insurer, you get out more and more coverage, in terms of proportions; you really experience that sort of finance anywhere else in the economy. So what more prudent subscribers would actually do, is pay more up front, because they realize that there’s discounts for paying more (that is, of course, opposed to pay later, in the way of a deductible, say).