I completely understand where you're coming from. Insurance rates can be a significant expense, especially if you live in a high-risk area or have multiple vehicles to insure. It's great that you're taking steps to keep those costs as low as possible.
One thing to keep in mind is that while insurance may not provide a tangible value in the same way as other expenses, it can provide invaluable protection in case of an accident or other unexpected event. Without insurance, the financial burden of repairing or replacing your vehicle or covering medical costs could be overwhelming.
That being said, there are ways to keep insurance costs manageable without sacrificing coverage. Shopping around for quotes from different insurance providers can help you find the best rate for your needs. Additionally, maintaining a clean driving record and taking advantage of any available discounts, such as safe driving or bundling policies, can help lower your rates.
Ultimately, it's all about finding the right balance between keeping costs low and having the necessary coverage to protect yourself and your assets.
