If you haven't noticed yet car insurance has been climbing faster than CPI or recent.
Yes, my car insurance has doubled in three years, despite never having an accident or lodged a claim in 64 years licenced driving (and the previous 4 years un-licenced driving) and my home insurance has trebled in the past four years - despite the insurance industry being one of the most tightly regulated industries in Australia which has managed to form an Australian industry cartel without even raising an eye brow in Government halls.