Insurance Co. says car must be in a locked garage

Again, my way to get creative with insurance companies is to pay them as little as possible...

...and pocket the difference.

All insurance is a calculated risk. Even Insurance professionals will tell you that.

I calculate that the cash spent on a high dollar replacement value policy is best in my control rather than an insurance company.
(as well as control over what I do and when with my own car)

Of course some self discipline is required- you actually have to keep that cash on hand rather than spending on on other things.


Some people enjoy telling others how much their car is insured for.

I'd simply rather have the cash.