Not just car insurance. My house insurance went up 25-30%, and the agent said there’s not much point in switching because companies “don’t want to take on houses older more than 40yo”
While my general Province hasn’t been great for various disasters, my city and neighborhood are on the safer end. The house itself doesn’t have any of the nasty stuff like asbestos, aluminum wiring, failure-prone plumbing, etc. The furnace was replaced when I moved in, AC and after tank are new within 5 years, and the roof was just done.
That is more or less what the old TrueCrypt (and also VeraCrypt) systems did. One password gets you the real data, the other opens a different partition that could be stuffed with dummy data.
True privacy/security night involve a hybrid, where it opens the device to the fake partition+profile but also kills off internal keys to the real data when the duress is used