Every six months like clock work our car insurance premiums go up even though we have no tickets or accidents, and drive under 3500 miles per year. Now my husband is surrendering his Driver's License because his vision is to poor for him to drive anymore. If my daughter was to take one of her teenage daughters off their insurance then their insurance would go down. So I call our Insurer today and tell them my husband will no longer be driving and we will send a copy of the paper showing he has surrendered his license. Then I ask what our new premium will be....and the answer is: "It will be the same." Now is that fair! Then you go online to check on lower prices with other Insurers and basically what you find is they will start you off at a few dollars less and then raise it even more for the next six months. Some days I'm really ready for the Rapture!