It does get RELATIVELY cheaper but I'm sure no one actually told you insuarance would be less actual money ten years in the future.

You don't pay more because of other people. You pay more because the math the insuarance did is saying your probability of having an accident is going up.

That said in this instance it's mostly lazy people getting affected. In many cases related on this sub recently (and actually I haven't posted but in my case too) switching insuarance has not only negated the increase but often resulted in a lower premium than the old rate was before the increase. YMMV.