I think these are great points and
@CaptainKrunch had a good point if not very eloquently said. Insurance should be directly related (at a minimum) to what assets you need to protect, and also the risk you might be spending years and a lot of your money paying for an at fault accident if you don't have sufficient coverage.
I almost laughed when looking at insurance at a new company and the default liability coverage was only 100k. There is a McLaren 720S and Ferrari 458 that park on the street by our house. They are literally about 1 or 2 cars apart. Just drift slightly on the street and you could easily catch a G500, and Taycan along with the 720 and 458. A mil policy might just be enough depending on the amount of damage you did.
I remember a friend who was a little light on insurance 20 years ago and got into a pretty bad accident took almost the next 10 years to pay off the damage he caused over and above the minimal limits of insurance coverage.
I hate to overpay what is basically a commodity so I always make sure to stack everything in my favor even for getting a quote with a new company even if it means waiting a bit to position myself as best I can. It seems like almost all of them check your credit report and I try to make sure I wait at least 3 years if any recent blemishes on my or my partner's traffic report. In my personal experience if I am at least at 760-770 credit score (depending on bureau) I am going to get as good as they have to offer. I always look for all the discounts I am eligible for such as grad/undergrad school affiliations, educational levels, married, multi-car etc.
I was just shopping recently and insurance seems crazier than normal. I have cars insured in different states. If I can have 2 cars on the same state policy, I can insure them both for almost the same, nor not much more, than either on individually in either TX or FL. I also had a quote done before buying a house a few months ago. I went back to execute the quote and it had gone from $2700 to $4800 for the EXACT same coverage. Nothing has changed on our end. I asked the agent and he said we were about as well positioned as we could be but there were a lot of losses over the last year so the carrier was re-rating all the policies. This was with a difference carrier than we have in Florida but previously they were cheaper than if we were to use our current carrier in Texas. So I checked with that carrier and damned if they didn't go up a significant amount but were now cheaper than the new carrier. I checked if we renewed in Florida and it was the same as last year other than about a 5% discounts as we get some discounts based on time with that carrier. This validated that nothing changed on our end (credit/tickets/losses/etc.).
I greatly appreciated the insurance sidebar going on here. It looks like Costco Connect will definitely save me a lot of money over either Geico or Progressive at this point.
Now just have to wait impatient for the S and 3 to show up as the chaos monkey throws darts at the EDD calendar. I don't car about Ryzen or Atom but would like the dual pane rear windows. Not sure how truth there is regarding range loss because of the Ryzen chipset.