[Matej]

My parents are always on my back about why my insurance is $70 a month with a clean record while theirs on a Chevrolet Malibu is $20 and they've been in a couple fender benders. They can't believe it's because I'm 19 and I drive a "sporty" car. They find it outrageous about how it's legal for insurance companies to be prejudiced against drivers and car models like that, as if they knew who is going to get into a wreck, obviously it's all about money. That kid is definitely a stupid idiot, but at the same time do insurance companies seriously expect a regular person to pay 104K$? Insurance companies are just a bunch of thieves, a huge portion of your earnings goes to them every month, and then when normal people actually need their insurance company for once after paying them for years, you have trouble getting them to pay for anything, and you just go through a lot of hassle dealing with them. Think about all the months you paid for insurance and didn't get in any wrecks, you might as well have flushed that money down the toilet. The U.S. insurance system is completely worthless, I wonder what kind of an idiot came up with it, and clearly the Canadian system isn't any better. It's not like the insurance company pays for your lawyer or fine when you get a speeding ticket, people should be punished by tickets, jail time, and suspended licenses, not by ridiculous insurance charges.