They sell a product, so my representative tried to keep me on with a threat that if I gave up driving I would come back as a 'new driver', which would be expensive. I surprised myself that I could answer her icily, keeping my temper in check:
"So, you're telling me that I should pay you $6K/yr because you MIGHT do me a favour in future, but you won't put that in writing, of course. Whereas I may never own a car again after your pillage, and even if I did I would be over forty, and the 'new driver' rates at that age do not worry me. Please spare me..."She did.
I did get a better bike, a bike-commuting habit, and now invest the money I threw away on car ownership ($9K/yr for an average N.American, minus what I spend on car-rental/share and transit, is over $6K/yr more than before to save). Consequences? I am over forty, and with very little effort: have a 21 BMI and 17% body-fat, have run a half-marathon and cycled an Imperial-century (100 miles) since, and am aiming for more, despite being the poorest athlete in my youth. I have beaten the Toronto winter 'seasonal adjustment disorder' that plagued me for years. I am no longer a candidate for debt-collectors, psychotropic drugs, insulin, heart medication, and general suburban despair.
Thank you Fuck-wit Insurance of Canada.