Good question. Due to the change in auto policy law, it was quite a shock for the buyers to indulged in such a hefty insurance fee. Many of us are still uncertain and in some case unaware of these new laws. And not properly informed by the exiting insurance provider on why clients have to pay such a costly premium. The answer is simple your safety is the first concern and these rules make sure that you get your claims, replacement, and other services if any unfortunate event occurs.