This and this are why to insure the car I'd like to buy will cost me $300 a month, and it's a used car, and no I've never gotten a speeding ticket or been in an accident that was my fault.
On the accidents. The first one I was rear-ended while stopped by two drunken men. They knew the officer on the scene ( they go to the same church) so the officer neglected to notice they were drunk. Either way my car was totaled and they had no insurance. Somehow this is now my fault.
The second accident was just recently where (and I have a witness) a deer materialized out of thin air right in front of my happy looking little Beetle and decided it would rather like to learn how to fly. Once again there wasn't a damn thing I could do about this, but $1300 later it's my fault obviously.
One of the things that apparently makes my insurance expensive is the fact that the cars I want are both foreign. One of them is the Camry, the car statisticly proven to have more American parts than any other car currently. Does it seem to anyone else that making foreign cars more expensive to insure sounds like an anti-trust case between the American auto manufacturers and the insurance companies just waiting to happen? Oh, wait I forgot, the government only sues companies I like that's right.
Anyways to wrap this up. The insurance industry is lucky I have some common sense and refuse to drive without their astronomicly expensive coverage.
5:52:04 PM 
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