That's because tons of people have to pay for their own auto repairs.

And yet, it's still expensive.

The counter argument would be that there is enough business that isn't paid by insurance companies to keep competition high.

If no one paid for car repair out of pocket, prices would be much higher.

They are too high at the dealership. At least, they feel high compared to what a knowledgeable friend who knows how to get used parts (junkyard etc) will charge for parts.

Could be. Sounds like a decent argument against universal health care insurance, too. More things should be out of pocket.

You don't have to be accredited to fix cars. You just need to open up a shop. As such, there is plenty of competition.

Only a few states have no specific licensing requirements. Many states require an exam. Some cities even require ASE certification.

Sources: http://work.chron.com/state-requirements-auto-mechanic-30132... http://www.michigan.gov/sos/0,4670,7-127-49534_50302---,00.h... https://en.wikipedia.org/wiki/Automotive_Service_Excellence