[rdancer]

That's a very good point. I would argue that insurance is a long-term relationship, it's a very mature industry, I don't expect there will be great savings in changing providers, and finding the best provider means doing due diligence and reading through dozens of small print — not something I would relish anyway. They're offering a 33% annual ROI. If they can guarantee an option to re-up for at least four years, we're good.

You should adjust the car alarm's settings. If you don't, and you happen to live in my neighbourhood, I have a stack of bricks in my back yard, one of which will just about fit through that hole in your windshield.