Discriminating against insurance customers on the basis of things they cannot control, like their age or gender, is not good.<p>Discriminating against customers on the basis of driving habits that they have control over, like how fast they drive, or how hard they swerve, is completely fine.<p>If driver A drives safely at the speed limit, and driver B constantly pulls stunts at speeds well over the speed limit, B is much more likely to get into an accident than A. Why should A have his premiums raised just to subsidize B&#x27;s voluntary driving habits?<p>By making B pay for the costs of his unsafe driving habits, and rewarding A for his safe driving habits, this feels like a great marketplace improvement.