Rates will go down when the number of things causing accidents does. Texting/distracted driving has gone WAY up, so even if all the features making the insurance rates go down, in theory, are there, then the average cost to all insurers to cover the people that get into wrecks while distracted driving, etc., jack them right back up again, since it all works off of an aggregate pool.
So, while income from subscriptions to cable/satellite may ultimately negate the need for commercials, the cost of funding the programing goes up as well, through greed and inflation. So, what cost maybe $1.5m to make in 1990, now costs 10.5+, and considering the amount of stuff on TV that people watch, the sheer enormity of the costs to produce it all would nowhere near be covered by subscription fees alone. that leaves you with the basic other source of funding: advertisements.