tl;dr the entire article is a bunch of propaganda from insurance salesmen who profit from making you think their rate rases are legitimate and not just a cash grab.

But industry insiders and experts I spoke with say there are a few under-the-radar trends also driving rates up, and they relate to the subjects I cover at Vox, so let’s dive in.

All you neeed to know. Its a bunch of bullshit they made up and the “journalist” didn’t question. The reality is that all the megacorporations saw the word “inflation” and used it as an excuse to jack up prices.

The key takeaways from the article are:

1. Inflation is impacting various sectors, including car insurance, leading to higher premiums for consumers.
2. Distracted driving, caused by factors like smartphones, contributes to increased accident rates and insurance claims, further driving up costs.
3. Insurers are adapting by implementing new technologies and risk assessment methods to manage these challenges and maintain profitability.