Lots of care insurances provide benefits to people that deviate from the statistic minimum in a meaningful way - few miles per year, ... In all other ways, yes - you get to pay an price that's averaged over a reasonably large peer group that you just happen to fall into. That's how insurances work: They redistribute risk. They protect you from extreme outcomes by charging a low, steady price. All in all, you usually pay more than you get out and only a few actually benefit financially. Take a look at large car rental companies: They don't actually insure their cars against theft. They're large enough to do the risk arbitration themselves. So I guess you just need to find a large enough pool of people that agree with you and then form your own insurance - with lower fees.
