Oh yeah, I loved paying more than the purchase price of the car per year as a young driver. I have since crashed 0 cars, I am yet to kill anyone. In fact, the car mechanically totaled itself before I got to finish my years worth of insurance. On which I never got a refund on.

The pay-as-you-drive model might paint a picture of a more equal playing field, where everyone pays what they are due, but I think it is mostly a sham to squeeze more money out of people.