The point, which also seems lost on another comment, is that with zero context you can't really make a full observation on the circumstances that lead to the in

The point, which also seems lost on another comment, is that with zero context you can't really make a full observation on the circumstances that lead to the insurance cost. Just because he doesn't pay a lot for insurance doesn't mean it's fake news that someone else does, I can think of many reasons why insurance for one person would be rock bottom and sky high for another on the the exact same car.