[seattle_spring]

> why aren’t premiums going down

The same reason that airlines added a ton of fees (fuel surcharge, checked baggage fee) when oil prices were high, but never got rid of them when gas prices fell way back down:

People will pay them because they have no other option.

[redlampdesk]

On the topic, why is shopping for auto-insurance such a crappy experience?

[edimaudo]

I haven't found it that hard. What tools do you use?

[seattle_spring]

What tools are available? There used to be leaky.com, but they almost immediately got bombarded by dozens of lawsuits from different auto insurers.