Oh crap I was about to try changes to my auto policy on the lizard’s online portal to see if I could get it any cheaper while still having enough liability, uninsured, property damage, collision and comprehensive for my litigious state. Glad I saw your warning not to consider modifications in this screwy market. Thank you!

I still may shop it to a different company before my end-August 45% rate hike. Not considering the phone spyware discount though, for the reasons you mentioned.