well the way they explained it to me is…
when im paying next to nothing during the winter months they said that they took that into considerationgs in chargind me a few extra bucks in my monthly payments to make up for it… but mind you ive never heard of anyone else ahving this sort of deal.
my parents know the statefarm guy and me and my parents have a total 4 cars 2 bikes a house and a motorhome insured through them… and we all have clean records. (knock on wood)