[Danny]

farmerEd is right, Have a high deduct and don't file. Use it only for catastrophe. Just learned from my American Family agent that they have started rating me based on my credit rating, my rates just went down 20%! and as an aside about car insurance with kids at college....I was paying hefty rates for the kids even though they were away most of the year...just took me bringing it up with the agent during our yearly chat - said he would take them off the rating for 9 months of the year put them on for the summer, they are still covered when they come home for holidays, etc, because they are in the household and are automatically covered - just not rated. The rate for the summer is like $100 for 3 months instead of $1000+ for the whole year! I love my AF agent! There are plenty of opportunities out there to be frugal.