Yeah, having a here in the Inland Empire in California is one thing since we're pretty spread out even if you increased density and public transit. But the major cities at minimum cars should be a luxury or something that sits in the garage half the time, and if its doing that it should also be quite small like those early 90s polish cars.
Same boat. Insurance costs have been going up for the last few years. I tried to talk to them about it... they said 'well everyone else is getting in accidents, you don't even know!!! It's crazy out there'. Same vehicle. My only 'options' were to let them install a bunch of tracking devices and software (fuck that) or reduce my coverage considerably.
Gosh I love the for profit insurance I'm forced to have that gets to dictate everything.