Quote Originally Posted by hatidua View Post
One way or another, you're paying. There are insurance experts here that can explain it far more eloquently than I can - and have the patience to do so.
In short, policies that have accident forgiveness, windshield repair, etc, all have those features built into the policy. It's the same thing as cell phone companies rolling the price of cell phones into the monthly rate. I'm not even sure there is a less expensive option for full coverage at some companies. That's the way the market has changed because people are inherently bad at managing money and that's what they want.