"I got fucked on repair costs recently when somebody hit my parked car"

How much damage did they cause? Was the cost issue due to your deductible or you being underinsured?

My go-to is getting a high deductible and saving the difference. For smaller repairs I will just pay out of pocket and not use insurance. All I really care about are large accidents, comprehensive, and liability.

Yes it's just that slow. Lots of people buying.

Not an effective website for volume use considering the last time a developer load tested it was probably when Netscape Navigator first came out. But rumor has it they are upgrading the server to a whole 1gb of memory next year.