it's a sad truth that bad drivers often buy the most insurance, and this causes an even bigger problem.
studies show that when people see several cars in a row with the same brand of car, they're more likely to think that cars with that brand are unsafe. and when they think something is unsafe, they're less likely to purchase it themselves. so it's not just about having slightly higher rates then other drivers because you have accepted responsibility for collisions – people actually avoid buying your brand altogether to the point where it can become impossible for you to maintain profitability.
fortunately, there are steps you can take to counteract these effects by educating consumers on how safe your car really is so they can make an informed decision before