I believe it is time for us to see a new way of paying for car insurance, one that is fair for everyone and even cuts down on greenhouse gases. Insurance premiums should be based on mileage driven instead of a simple base rate for all. It does not make sense that someone who drives 5000 kms/yr should pay the same as someone who drives 80,000 kms/yr when it is clear the frequent driver is not only at much higher risk of crashing, but also produces much more congestion putting other drivers at a higher risk as well. The added benefit - drivers will be more aware of their driving habits and will begin to calculate an accurate cost of driving versus transit/walking etc. Many people do not take transit simply because they are already paying for car insurance so it doesn't make sense to pay even more for a bus pass and leave their car at home. If the cost savings of mileage-based insurance more than offsets the cost of a bus pass, people will obviously prefer to take transit where possible. Economics always wins. The other added benefit - there is currently a push to license/restrict/regulate ride-hailing, or in other words, make it more expensive and inconvenient for the new economy to prosper. Targeting a single group to inhibit progress is not only unfair to the industry but also to society at large. Again, economics wins - if the money I save taking Uber over taxi allows me to buy a pair of pants, I employ two people for the price of one, and our economy is more diverse because of it. Restricting a more efficient way of doing business hurts us all, but by introducing mileage-based insurance, Uber drivers will be affected and take caution under their own willingness, in much the same way as if gas prices doubled. Mileage-based insurance will clearly benefit seniors who need a car but rarely drive, as well as students - two groups of people who need every opportunity to cut costs.