> think it's a bit unfair if you have to pay more for liability insurance because other people have chosen to buy more expensive cars Yes, this. You can opt-ou

> think it's a bit unfair if you have to pay more for liability insurance because other people have chosen to buy more expensive cars Yes, this. You can opt-out of insurance for your own vehicle if you want, but generally required to buy some minimum for everyone else's property that might be involved.