I think what will change is... take a South Floridian car insurance car payment. You can pay $200/$300mo for 60 months and never need it, because based on statistics, everybody else in your area is getting into accidents with uninsured motorists.
Less accidents happening around you, insurance claims write fewer checks for claims, your payment (which is basically a savings account contributing to "when you might need it" in my eyes) should be lower.
Less accidents happening around you, insurance claims write fewer checks for claims, your payment (which is basically a savings account contributing to "when you might need it" in my eyes) should be lower.