Totally get the pizza vs. peace-of-mind struggle... been there myself. Here's how I usually break it down (and trust me, I've obsessed over this stuff...

Military discounts can be decent, but honestly, they're not always the holy grail. When I insured my '68 Mustang, I thought my vet discount would crus...

I've had mixed results with this too. With my daily driver, I tried the cautious route and ended up overpaying like you did. But for my classic Mustan...

Did the same thing with my classic Mustang. Just make sure you have enough set aside if something does happen...parts for older cars can sneak up on y...