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I LIVE in California where the motoring world is a very fast jungle.

Premium rates

I have had no speeding tickets in three years.

I only pay $200 a year for each of my vehicles, a 1970 Volkswagen pop-top Housekamper, and a small 1989 Honda Civic. Unlike Ireland, as my cars grow older, the insurance costs go down.

I have no clue as to why Ireland has such outrageous premiums, especially for older cars that are not vintage.

Matt McLaughlin

1809 Fernald Point Lane

Santa Barbara

California 93108

USA

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