đźš— When $13,000 Meets a Honda Civic
This episode of The Ordinary Effect starts with a shocking headline: young male drivers paying over $13,000 a year to insure a basic car. Guido breaks down what the article claims—and whether the numbers actually add up.
đź“Š The Percentages That Shape Your Premium
Insurance companies argue that higher premiums reflect higher risk. Guido unpacks the statistics around speeding tickets, collisions, and what being “more likely” really means… and asks the essential question: Does a 17% higher risk justify a 900% markup?
🧮 Risk Pooling or Profit Padding?
We explore how insurers calculate “expected loss value” and why most young drivers end up paying 10–15 times morethan they will ever cost the system. Is this smart economics—or legalized punishment for being young?
🏫 The Classroom Analogy You’ll Never Forget
Guido draws a brilliant parallel between insurance pricing and a familiar childhood experience—when the entire class was punished for the actions of just a few. Once you hear it, you’ll never see insurance the same way again.
⚖️ Legalized Cartel Pricing?
The episode builds to a powerful conclusion: insurance costs aren’t just misaligned—they may be designed that way. Guido calls out lawmakers and challenges how we think about fairness, risk, and financial responsibility.
🎧 Listen now to learn what the industry doesn’t want you to notice—because once you do, it’s impossible to unsee.
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