Random thoughts...

True I can't argue with that but let's say you never get into a accident at all, you're basically paying for a what if scenario. Sure it's better to be safe then sorry but why do I feel like auto insurance is going to go the way of health insurance and deny a lot of things. Truthfully I've only had one accident my whole life, can't see if I'll have one again or not. Either way I feel like I'm getting ripped off

Yup... That's why it's called "INSURANCE". Ensuring that if something happens, you're at least a little protected. Why do cops wear a bullet proof vest? As insurance...