Wait, guys, insurance is paying out to you in a reasonable amount?!

I mean, for car insurance you could just look up what a good insurance would cost you and put that money into a savings account if you're a careful person. It's a gamble, but most accidents you have are probably going to be fairly cheap. This would not be a good advice for home insurance as you wouldn't be able to save enough to buy a new house if yours burned to the ground.