Whatever you say. For years after I purchased a new car, my car insurance was basically half of my car payment. I haven't had an accident, which was a minor fender bender at a light, in over 15 years. My rates were so ridiculous that I thought it would be better just to buy another car and lower the insurance to the minimum required.

And when you need the insurance, even when you are not at fault, they immediately raise your rates. What were you even paying them for before if they just raise your rates to repay themselves?