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Shouldn’t insurance premiums reflect a car’s replacement value?

Shouldn’t insurance premiums reflect a car’s replacement value? | IF MY CAR DEPRECIATES IN VALUE SO FAST; WHY DO MY INSURANCE PREMIUMS KEEP RISING? | image tagged in kermit-thinking | made w/ Imgflip meme maker
289 views • 1 upvote • Made by JeffreyHornick 9 months ago in fun
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IF MY CAR DEPRECIATES IN VALUE SO FAST; WHY DO MY INSURANCE PREMIUMS KEEP RISING?