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In many states the need for insurance has been made law. These laws have been formed, developed, and passed by your state legislature. If you feel that the premiums you pay are out of hand then make your feelings known to your state representative. Many state representatives can be reached via email. Let your representative know that you can not afford the high insurance rates and that you feel strongly that something should be down to lower the rates. If the state mandates that having insurance is the law, then isn't it your right as a tax-paying citizen to ask that the insurance companies play fair and not take advantage of this legal loophole?