Why Does Car Insurance Cost So Much? 2

Other drivers actually have a lot of potential to negatively affect your car insurance premiums. If there is a large amount of uninsured or underinsured drivers in your area, your premiums may be more expensive.

To combat this, you can see about making provisions for such drivers in your own insurance policy — and after, things will get a whole lot more expensive quite fast if you get into an accident with an uninsured motorist or an underinsured driver. You may be left holding the bag for any and all damages, and that is just going to cost you even more money, especially in terms of the premiums you will then have to pay.