I'm almost pretty sure that it the insurance fraud that's killing us all in premiums. Once they get that under control the rates may come down a little. It's all the low lifes and illegals that are staging accidents with 8+ people in the vehicles claiming injurys and living off the fat of the land. A couple of years ago some "stagers" paid a woman $200 to sit in a car they were going to crash, unfortunately, she was killed.