Pay As You Drive

It's pretty small bore, but the idea of implementing "pay as you drive" car insurance, as proposed by Jason Bordoff in Democracy and various other worthies elsewhere seems like a no-brainer of a good idea. The basic concept would be that people who drive more would, ceteris paribus, pay more for their car insurance. After all, your odds of getting into an accident have something to do with how much driving you do. This would be a bad deal for half the people, but a good deal for the other half, and should help reduce congestion, air pollution, carbon emissions, etc.