I'm going to sit here and say that the state requiring insurance to drive your care is unconstitutional.  It's extortion to use your property.  Also the rates are based on your zip code and not your individual driving history.  24 years of driving and I have never once been in so much as a fender bender, yet I'm required by law to pay $800 per year and it used to be much much more.  Tens of thousands, probably even over a hundred thousand dollars I have been required by law to give that free money to a billionaire that owns the insurance company and I have received NOTHING in return, NOTHING.  I've gotten a few tickets in my life and that allows them to double or triple the price of my insurance for THREE YEARS.  I've gotten tickets, but that didn't mean I got into an accident, so there is no correlation with tickets and accidents with me.  It's fucking outrageous.  Every 10 years you go without an accident, the law should require the insurance companies to give you half back at least, since we are required by law to purchase this.  But no, the law and the government doesn't exist to serve we the people.