I totally get where you're coming from on this. A couple years back, my wife had a fender-bender—nothing major, just a small scrape in the parking lot...

I went through something similar last year. My wife accidentally scraped the side of our car against a concrete pillar in a parking garage—nothing maj...

I get your point, but honestly, every time I think about switching, I remember the last time I did it... spent hours comparing quotes and reading fine...