[lotsofpulp]

Interesting, I had not thought of that. I have been purchasing auto insurance for over 10 years, and I get prices every couple years. I always buy extremely high liability only insurance because I can easily afford to replace my car if anything should happen to it. I have always found liability only insurance to be much cheaper than comprehensive and collision and liability insurance.

It would greatly surprise me if buying comprehensive insurance itself served that good of a signal to offset comprehensive/collision insurance for say, a $20k to $40k car.

[pja]

Yes, on the other hand if you own a $5k car then the insurer’s liability is much smaller & there are plenty of older cars on the road driven by older, safer drivers that fit into that category.

This was regarded as a weird corner case even then & was mostly just used as an example of why you should try tweaking various features of the insurance you were after, because the price could sometimes change in ways that might seem counter-intuitive.