My C7 Z51 with a $15,000 add on for the mods, costs me $1200/yr., no tickets. 1M liability, 500 comp, 1000 collision deductible, basic accident benefits. I spent 23 years as a litigation analyst, specializing in high value litigation claims. The system created a monster that needs to be fed. Lawyers, medical, insurers, and customers all fighting to get or keep money. The government is the architect that tries to keep peace but it doesn't always work in the customers" favour, especially with lobby groups paying (donating) to support their cause. Who has the most money, the insurers.