Some are & create contracts that should not be allowed to be sold. I hold the individual states and regulators accountable for the rules. Carriers simply figure out how to make money given the rules.

Premium charges come down to arithmetic. My 9 yr old son will be able to do the calculations next year when he better understands division ie claims per member or insured vehicle. Add in admin charge & you have the premium. Perhaps make an adjustment for other risk ie drunk, young reckless driver etc.

As far as having to park the car for a month, rates are charged on a monthly basis. Either you pay for and have coverage or you don't. It is a really simple concept. Many people would not buy coverage and then want a claim paid saying something like "I turned the coverage on for every other Wednesday - but only if it is sunny".

Back to the OP question. Do the calculations & take the course you will get value from it - otherwise, don't.

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85SD 240K & stopped counting painted, putting bac together. 84SD 180,000. sold to a neighbor and member here but I forget his handle. The 84 is much improved from when I had it. 85TD beginning to repair to DD status. Lots of stuff to do.