The insurance companies have far too much control in our daily lives. The government mandates insurance and does not monitor the situation. Shame! I have been driving for 40 years. I am rated in the lowest risk category - a clean driving record - no accidents ever and I have NEVER had a reduction in my premium rates. To the contray, I have seen many hikes. It is a deficit model. The conscientious pay for those who do not care!
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