Originally Posted by MX52Z

I wouldn't skimp on insurance. I figure that I'm paying for the feeling I get every time I press the start button that no matter what happens from that moment on, whether my fault ot an uninsured ricer's fault that I'm comprehensively protected. And my gap insurance makes me feel that much better on top of it all.

It's kind of like the feeling I get when I have a lottery ticket in my wallet. I know I'm not going to win but it feels good just having a chance so I figure $1 is a cheap price for that feeling. Same goes for good insurance.