insurance: vote with your $

How many of you would dare to own a new a/c without having a full hull
value coverage?

After being hit with a $15K premium with a $10K deductable, I have
decided to vote with my hard earned cash against the outrage and to only
get the mandatory liability and not-in-motion. After all, my personal
experience with car insurance is that money-wise, it does not make sense
over any 10yr period.

If we get out of mentality 'everybody does it, so should I', maybe the
insurance industry will wake up (again) to a sharp drop in revenue and
stop the rip-off. In the meanwhile many of us would save some money.
Comments?