I agree with you and understand where you are coming from, but from someone that has never been in an accident and I still have to pay insurance, with the same company for years, that sounds like fraud. I know it's better to have the insurance for reasons like this, but why must I suffer for being a good driver? Im sorry but I feel like insurance is a fraud. I have it, don't get me wrong, but it's a joke to me in a way. /rant