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I don't think you argue. You're always free to choose some other insurer if you disagree with the premium they're quoting you.

• motohagiography 4y ago
  Where I am, insurers form a "radical monopoly" where they are an esconced tax on people as a legal requirement for a whole set of services. They all use the same models and data, so there isn't choice. There is what you are legally mandated to have at the lowest possible price, and they have no value add beyond that. It does not resemble a market.