Why it is that car insurance price gets high? Well, it's because of one reason, fraud. It's not a secret that there are people that abuse the system that resulted with the loss of insurance companies money and to make up with this losses the insurance company has no choice but to increase it's premiums or else they will go into bankruptcy. Abuse of the system is all around the people who are involved in the process of processing claims from the customer.
How does it happen? It starts with the fraud claim from a customer where in an existing damage to its car was claimed as part of the accident result. It's difficult for the insurance company to prove that the damage being claimed was already there before the accident happens. Also there are claims from the customer that includes injuries that did not cause by the accident, this happens when a customer involve in an accident is temp to file a lawsuit because of the encouragement of some attorneys specialized on this kind of cases. Then to make the matter worst, there are some doctors that will intentionally misrepresent an injury to take advantage with the insurance companies.
Also why car insurances gets high is because of the insurance premiums you paid for the uninsured motorist. You'll need to get pay this one to protect yourself for those drivers that do not have insurance especially when your at fault causing the accident. The insurance company will pay for the damage incurred by the accident that involve the uninsured motorist but of course this only be possible if the insured motorist is at fault.
Car insurances companies are well aware of this kind of scenario that is why car insurance prices get high.