Auto Insurance a rip off

The automobile insurance in the state of Michigan is ridiculous.If you have a car and need to drive and no accidents its about $6,000 a year, even for no fault.if you need health insurance its about $360 a month.If you pay the auto Insurance bill for 5 years no accidents,that means the company banked $30,000 of your hard earned money and you still pay yearly.I see something wrong with this,because the insurance company should be made to reimburse a certain percentage back to ...the customer.This is usury at its best,but no know one wants to lobby for the customer rights.Health insurance should be nationwide free,just like all the other socialist governments.We no longer have a living wage from working,because the insurance companies are raping us of all our cost to living monies.Think twice for who you vote for.We need a change in democracy in America!Vote for Bernie Sanders,write it in!The greed of this insurance business is placing an economincal hardship on the poor and middleclass!Sooner or later there will be no middleclass and crime will increase!