The Ordinary Effect
Welcome to The Ordinary Effect—the podcast that shines a light on life’s most overlooked moments. Each episode explores something you’ve likely seen, felt, or wondered about—but never really unpacked. Whether it’s a tiny social habit, a quiet cultural shift, or just that odd thing people do on elevators, host Guido Piraino digs beneath the surface to reveal the deeper meaning behind the mundane. It’s smart. It’s human. It’s what happens when you start paying attention.
The stuff we all notice—but rarely talk about.
Subscribe and join the conversation—new episodes every week.
The Ordinary Effect
Why Young Drivers Pay $13K for Car Insurance: The Truth They Won’t Tell You
đźš— When $13,000 Meets a Honda Civic
This episode of The Ordinary Effect starts with a shocking headline: young male drivers paying over $13,000 a year to insure a basic car. Guido breaks down what the article claims—and whether the numbers actually add up.
đź“Š The Percentages That Shape Your Premium
Insurance companies argue that higher premiums reflect higher risk. Guido unpacks the statistics around speeding tickets, collisions, and what being “more likely” really means… and asks the essential question: Does a 17% higher risk justify a 900% markup?
🧮 Risk Pooling or Profit Padding?
We explore how insurers calculate “expected loss value” and why most young drivers end up paying 10–15 times morethan they will ever cost the system. Is this smart economics—or legalized punishment for being young?
🏫 The Classroom Analogy You’ll Never Forget
Guido draws a brilliant parallel between insurance pricing and a familiar childhood experience—when the entire class was punished for the actions of just a few. Once you hear it, you’ll never see insurance the same way again.
⚖️ Legalized Cartel Pricing?
The episode builds to a powerful conclusion: insurance costs aren’t just misaligned—they may be designed that way. Guido calls out lawmakers and challenges how we think about fairness, risk, and financial responsibility.
🎧 Listen now to learn what the industry doesn’t want you to notice—because once you do, it’s impossible to unsee.
