You're right. But one thing to keep in mind, is that with full comprehensive insurance, you're also paying to cover other people's vehicles, so if the average p

You're right. But one thing to keep in mind, is that with full comprehensive insurance, you're also paying to cover other people's vehicles, so if the average price of a vehicle increases your premiums can too. My premiums have increases, while my vehicle has remained the same (and no tickets/claims/incidents).