Insurance is a necessary EVIL, whether car or home or medical.
I have not used ANY in over 25+ years (except for one meniscus knee surgery), so sick of paying thru the roof for very little use FOREVER!

I know hundreds who go to the dr. religiously every few months or so 'just because' even if they do not need to really for minor issues which the Dr. does nothing anyways for.
Then, the ONE time I need it having a high deductible, hardly anything is covered have to pay fully out of pocket since NEVER in 25+ years have I met the yearly deductible.

Thus, I religiously keep searching every few years for cheapest insurance out their for home and autos since apparently NO insurance companies want a loyal paying customer who has never filed a claim ever jacking up the rates 15-20% after first 1-2 renewals???

Progressive for autos who I just switched to less than one month ago might be the next to go with their F'ed up Snapshot devices in another 5 months?

As far as cars go with the techy gadgets, keep them all for someone else. Give me power steering, power brakes, power windows/locks, tilt wheel, cruise control, radio, and A/C and that is all I ever will want nor need on any vehicle. Other gadgets may be nice to have, but I choose to live without unlike my neighbor who MUST HAVE that ONE option which most car mfgs. are putting ONLY on the top of the line more expensive trim levels and he is stupid enough to pay 5-10000 more for a package he does not need just to get that one 500 dollar option he wants.
