In BC, Canada, auto insurance is managed by the government. We have low insurance rates to begin with, and then we get a cheque in the mail at the end of the year if they collect more premiums than they pay out. (It's not a straight annual thing, of course. I don't know the details, but over the longer term it's how it works.)

It's kinda weird not having any sales pressure, too. They aren't at all light about upselling extra features. I only just found out that for ~$30/yr, I can add replacement car coverage to my plan. Over a lifetime, that's like $2K to never need to worry about a collision leaving you unable to drive for more than like a day to get a rental.