There are only two things as complicated as insurance accounting and I have no idea what they are. - Andrew Tobias

The larger the deductible you choose, the less insurance you are buying. Insurers want to sell insurance.

There's no question young drivers have far more accidents than older ones-but is it our aim to keep them off the roads? Or to allow only rich young people (who can afford the premiums) to drive?

What kind of bank gives back 65 percent-often less-of what you deposit? Indeed, when you compare the services of a bank and an insurance company, common sense suggests something is out of whack.