Auto Insurance - No deals this year.

We have been telling ourselves that we need to go shopping for a better deal on auto insurance.  Then I turn on the TV and see people driving their cars through flooded roads and realize that their stupidity will cause all insurance premiums to go up or stay the same.  Probably no deals out there.  Really, this attitude of "no one can tell me where I can and can't go" has got to stop.  The "aw, I'm insured and the police will rescue me" mentality just shows how dumb people have gotten.