Abstract: A method of enticing an individual to obtain and maintain automobile insurance. The method includes the steps of offering a potential policy holder an accruing cash value according to a predetermined schedule and establishing a separate account for receiving deposits for the policy holder. Depositing a predetermined portion of policy holder's policy premiums into the account set which accrue tax deferred to the policy holder until used and finally periodically allowing the policy holder to use their accrued cash value to at least one of offset their policy premium, pay part of their deductible in an event in which they are involved in an accident, pay damages for person or property that the policy holder may become liable and a return of their accrued cash value upon termination of their policy after a predetermined time period.