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by contriban 1826 days ago
It depends on how it’s implemented, but mandatory insurance should help lower the premium of everyone.

Like OP says, you should only buy insurance if it’s worth it. I never had an accident in 10 years of driving so I probably would not pay for insurance if I didn’t have to.

Now, if my record wasn’t so clean, I probably would pay voluntarily.

This means that now I pay a little bit but crash-prone people pay less.

…ideally.