While passionate about low priced taxi insurance, we at High Gear understand that the industry is in a time of change, with recent reports revealing that as a whole, the industry saw a Â£100 rise on the average car insurance policy last year. However, in the technology-driven, advanced times that we are in, surely car insurance should be on its way down? Where whiplash fraud, theft and untruthful policy details traditionally hiked up rates, it appears without these threats, prices are still high. Escalating sharply over the past few months, rates have risen 12%, up to an average of Â£572 from Â£525 in August. Kevin Pratt, consumer affairs expert at MoneySuperMarket, agrees, feeling such advancements to car security over the past ten years means consumers should see a decrease in price. Mr Pratt suggested that while "logic dictates the cost of car insurance should be getting lower" "The Government has committed to introducing reforms to tackle whiplash fraud, but weâve heard this story before and need to see concrete action that brings down premium inflation as a matter of urgency. "Itâs important for every motorist approaching renewal to run a quote to find the best price for their next yearâs policy. Simply rolling the policy over with the same insurer â whatâs known as âauto-renewalâ â means youâre almost certainly paying more than you need to."