Insurance is such a scam, but you have to have it. Car, life, health, etc. The most annoying part is I supposedly have "small accident forgiveness under <$500". I window chip repair is like $75. So why am I getting a price hike. Disclaimer: No, I never had any hope an insurance company would actually grant me forgiveness. Sucks they are easily the cheapest I can get and I have racked up $400 in deductible savings. Of course, not like another company won't just be as dumb.