About 10 to 15% of our auto insurance rates are allocated to cover the billion dollar insurance fraud industry. A large part of auto reductions are based on the successful reduction and/or elimination of insurance fraud. As voters, it is imperative that we encourage our politicians to fix the fraud problem quickly, as this will have a huge impact on the successful implementation of auto rate reductions. http://www.csib.org/auto-insurance-decreases-means/