It says "Asia" and no mention that it's coming to North America...In the states, insurance is one of the most heavily regulated entities and each state can have different regulations, some states still allow providers to offer rates based on your credit history and leaves it up to the provider to determine what number "good" credit really is...While rates generally always go up here, the older you get your rates often go down...There's simply no way to add a fixed insurance fee here unless the business model is changed first...