Insurance rates are on the rise regardless of age, accidents, or where you live. I'm reading similar gripes on UK forums. First, the costs of everything involving repairs have spiked, some of that is supply chain related, some of it is due to the increased complexity of cars, and some down to the huge jump in the cost of utilities the shops use thanks to the Ukraine war.

The other factor very noticeable in the US is the hard core of drivers who got used to empty roads during COVID and were driving at mongo speed. These people point blank refuse to moderate their speed back to what is suitable for the current traffic density. We've had years of it in Vegas and our insurance rates have gone fighter plane vertical because of it. The death toll already this year is mind boggling. Oh, and if it isn't just speed, then it's drugs/booze and speed.

The above factors more than wipe out any benefit most of us think we should be getting for years of no wrecks.

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