Contra Costa Times, July 12, by John Simermanhttp://www.contracostatimes.com/ci_9863875?source=emailMost pay-as-you-drive consumers will drive less and save, meaning less revenue…. “Insurance companies have some limited incentive to adopt pay-as-you drive insurance—if they want to be a niche company and specialize in serving low mileage drivers,” Edlin said. “However, they don’t have nearly the incentive that they should have.”