Just had talk with insurance agent as our rates have increased a little over 30% in last 2 years. Same insurance company for 38yrs, (house cars boat) zero claims or tickets. Agent blamed many things, but some reasons stuck out and pissed me off. In Seattle area over 25% of people driving don't have insurance, then there is a huge amount of property damage and theft being done from criminal activities and finally the increases in fraudulent claims. Now add health insurance and property taxes going the same direction, retirement might be shortly enjoyed........... Something is really screwed up.........