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He wasn't necessarily shafted, insuring a 10 year old car is expensive especially if it's a model that is often involved in insurance claims. This is generally true but it will depend on so many factors that it destroys his argument.

It's like saying that he literally has a fake profile because I know a guy redindian and he doesn't have a BMW. Or that the Tesla M3 must be a fake car because I don't own one.