Car insurance is mandatory and if we need to use it as consumers, our rates are either raised or we are dropped and put into the high risk pool which means higher premiums. Rates are also determined by credit scores. With the current employment opportunities as they are, when you lose a job, we are often not able to pay bills therefore our credit scores drop, our rates go up and puts car insurance out of financial reach. Eliminate rates based upon credit score, and base it on driving record. Outlaw insurance companies being able to drop you if you use the insurance.
Property insurance is similar.