Of all the U.S. automobile-insurance companies, probably the most exclusive is Preferred Risk Mutual of Des Moines. It sells policies only to teetotalers. Before an applicant is approved he must first sign a pledge stating: "I do not use alcoholic beverages and will not do so for the term of this policy," and then undergo a special check in his community.
In return, the Preferred Risk policyholder gets standard protection at rates 20% to 42% lower* than those of most other companies. (The lowest rate applies to those who have not had an accident...
To continue reading:
or
Log-In
