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I’m so frustrated with how much my car insurance has gone up lately. It feels like every year it gets more and more expensive, even though my driving record is clean. I’m seeing so many people online talking about the same thing, how car insurance has become unaffordable. I’m wondering if anyone has any insights into why this is happening and what, if anything, we can do about it. It’s getting to the point where I might have to consider getting rid of my car altogether, which would be a huge burden.
I’ve been wondering about those driving behavior tracking apps that some insurance companies offer. While they say you can get discounts for good driving, I heard someone question whether they really work fairly since they only track things like sudden braking, without knowing the reason behind it. I’m a bit hesitant to rely on something like that if it might increase my rates based on assumptions.
I’ve also been hearing more about how easy it is to steal certain cars, like specific Kia models. Even though I don’t own one of those cars, I bet if car theft is on the rise in general, that contributes to higher insurance rates for everyone due to the increased payouts for stolen vehicles.
Someone mentioned that insurance companies base rates on statistics, so even though I’m a safe driver, if there are a lot of accidents in my area or involving my car model, my rates could still go up. It’s frustrating because everyone’s paying based on the group’s risk, not just their own driving habits.
I also noticed some people blaming personal injury lawyers for high insurance costs. One story stood out to me where someone had minor car damage, but the insurance wouldn’t pay. The lawyer wanted over 30% of any settlement just to take on the case, which made it not even worth pursuing. If lawsuits and legal fees are that high, I can see how that would raise insurance costs.
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