This original blog by Jane Anne Morris was published on her website, DemocracyThemePark.org on January 30, 2017.

It will be easy peasy. Let’s eavesdrop on a typical case.

So you got a new car? Great, it’s time to sign up for your car care insurance plan. Come on in.
First, there are three general types of plans, roughly based on how much they cost. The Earth plan is the cheapest, next there’s Sky, which is in the middle. The most expensive plans are called Crystal, and most of the people who get those drive real expensive cars and are frankly, loaded.

How about an Earth plan. I don’t expect I’ll need it often, unless something really unusual comes up.

OK, we can look at them, but I have to warn you—they’re cheap because they cost you little at the outset—but when you need something, either because of an accident, or a breakdown, your out-of-pocket will be high. Earth plans are like, you only pay a little and hope like heck you won’t ever have to talk to the insurance company. Because as soon as you contact them—even for a simple repair like replacing points or plugs—your policy really won’t cover much of anything, and you’ll pay full price, or nearly.

So tell me about a low-end Sky plan.

Well, about 70% of our people get a Sky plan. There’s lots of options within the Sky realm. But now that we think you’ll probably want a Sky plan, there’s another preliminary decision that will help find you the best plan for you.

Well, I already said I’m a good driver and I want a plan on the cheap end of things.

So, then I need to know how much you use your car, and how intense that use is. There are three levels. First is the 45 MPH option, which is for people who use the car not so much, and usually for routine things. You know, the stereotypical schoolteacher who drives two miles to work every day, buys milk on the way home, and doesn’t really do much else. MORE…