I recently purchased a new car. Before I decided on my final purchase, I called around to get prices on auto insurance. I think all insurance companies charge way too much for a policy. For a perfect driving record, you should get a much lower rate. All people are now paying more money because of all the claims the companies pay for others reckless driving habits. I think they should be rewarded, instead of punished. Some companies do offer discounts on their auto insurance for having less claims and no tickets, but not all companies do this.