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Fuck Cars
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There's tons of car insurance companies. We can shop around. Most people don't, for some reason.
Insurance market is just another oligopoly... As with anything else they collude to fix prices. Sure you can lower rate of price gouging by switching every year but at the end of the day theybare still price gouging and there is nothing end user can do about it.
Parasites like warren buffet with geico bullshit...