INSURANCE: None for the Road

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...

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