Probably a lot of car accidents in your area or break ins, car thefts etc. car insurance isn’t solely on the policy holder. If the people in your area are ****** drivers then expect that rate to go up.
No FCS yet, they may arrive in an update or the next years game. I wasn’t sure about every team having a full 85 man roster. Nonetheless most if not all players should be in game around release.
Now the gameplay is main focus lol