That's an interesting thought, but do you really think they'd ever let us have that much control? I mean, insurance companies are all about risk asses...

Interesting you mention smaller insurers...have you actually had a bad experience with one, or is it more of a general skepticism? I've been wondering...

Interesting point about the driving environment—makes sense that city drivers might want lower deductibles. But what about the type of car itself? I'v...