The problem is that in the past you would have your rates increased because you get into accidents because of bad drivers like this or the kind of car you drive being more popular with bad drivers. Driving slower will cause you to get into more accidents. Now they can do a root cause analysis and find the true reason for accidents. Unfortunately if you can afford higher rates then this doesn’t help anyone. States should have stepped in a long time ago to make getting a license more difficult and making testing more frequent.