everyone knows insurance rates aren't about "risk assessment" I know people in insurance (yeah my rate still sucks they don't get to bend the rules) and risk assessment is step 1 after they figure out how much it would actually cost on average to insure your car, given age, and area, and all the probabilities, they then factor in the supply and demand rule just like every other business. If people pay there premiums on time, and they don't see an unprofitable drop in sales they raise the rates to what they know they can get away with charging for best profitability. reassessment is them reassessing there volume of sales and profit margin and figuring how much they can bend you over for.
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ANSWER PRICE LIST
Answers - - - - - - - - - - - - - - - - $0.75
Answers (requiring thought) - - - - $1.25
Answers (correct) - - - - - - - - - - $12.50
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