I have USAA and currently my Insurance is 752 and change a month for the first quarter for auto and home owners insurance. Yes it is high but will go down as the year progresses. I get excellent service from them, they don't quibble over paying a claim like some insurance companies do. They will pay the repair shop before the car is scheduled in based on the estimate and if you require a rental car they will already have that set up. I am picking my car up this morning from the repair shop and dropping my rental with them, basically one stop shopping.

The reason my car was being repaired was that on the second of January my wife discovered damage to the right rear corner just above the bumper. The insurance classified the damage as hit and run since we didn't know where or when it happen. It was scheduled in this past Tuesday and promised by Friday.

I didn't suggest that. My state only requires that I carry liability. I self insure for the cars, not for liability. Uninsured motorist is not required and is redundant here. Liability covers my passengers for all hazards. I save about half by taking on the minimal risk for the value of my cars. I've saved tens of thousands over the years with this approach. My risk is minimal.

From my post which you quoted:
"Yes, we need liability coverage and health insurance, but the cost of insuring "stuff" is completely out of control. I prefer used cars that I can afford to replace....(no collision, uninsured motorist, or comp insurance)

I'm 78 and have not had an insurance claim is 30 years. That was a deer who ran out in front of me on a 65 MPH highway and too close to stop or avoid. My insurance was under $500.00 for 6 Months in Va. but move here to Texas and it went to $900.00 and then to over a grand. I finally found a company to insure me for 20% higher than Va. Lots of hard work to get that for a driver who had not had an accident since 1962. I was at fault in my mothers 1963 Buick Le Sabre in November of that year, 1962. All those years with no accidents and no claims. What one agent told me was that the DUI rate here is very high and so everybody's rate goes way up. Just keep the govt. out of it or it will really go thru the roof.