They don't all drive high power cars. If it has a steering wheel, there is a good chance that there is a moron holding it. My father always said the most important part of a car is the nut that holds the wheel. Just watch people and you will know why your car insurance is so high. I moved from Cincinnati, OH (pop. 900K) to Shreveport, LA ( pop. 220K) in 1982. Our car insurance went up 40%! When my wife called the agent to see if there was a mistake, he replied, "Have you seen how people drive?"
Life is like water-skiing; if you slow down, you go down.