The rising rates of auto insurance is complete horseshit, how can someone without the help of mommy and daddy afford to go to university or college, buy a car in order to get to school, pay for the gas to get there and legally drive it by having an outragous premium for insurance. Unless privately owned insurance companies cease their theivery then publicaly operated insurance seems to be the best way to go. The excessive fradulent claims should be stopped or at least lessened by having some sort of law enforcer act the role of insurance adjuster. Will people keep purchasing insurance the way it is? or will they begin to take their chances with the law and not purchase it at all?