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Idea to send:	Topic Transportation Content Many people drive gas guzzling SUVs and heavy trucks when they might otherwise only need a small efficient car. One reason for this is the extra costs involved in insuring multiple vehicles. Why not have an option to insure the driver for any vehicle he may drive instead of on a per-vehicle basis. One person can only drive a certain number of hours a day anyway. Of course there would have to be limits on vehicle types and unauthorized drivers. This would encourage people to own more special purpose vehicles and to drive the minimum necessary vehicle on each trip saving massive amounts of fuel.