>> Rates that are based on the car, not the driver.

I like my low very rates. I don't want to pay higher rates for people who can't parallel park. They can suffer their skill issues.

I think you may not fully understand how much more expensive insurance is in the US and how bad of a deal you get here.

In the Netherlands my standard car insurance came with a bodily injury liability limit of 6.5MM and property damage liability limit of 2.5MM at a cost of only around €25 per month.

You usually cannot even get limits that high from insurers in US, let alone at such a cheap rate.