[kelnos]

Why do you dislike that? The purpose of insurance is to help protect against losses. If you don't have a $100k car, you can't lose it.

And this is reflected in your insurance premium. The cost to insure your own car is lower if you have a less expensive car.

I do, however, 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.

[Scoundreller]

> 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.