I pay 210 a month. use it once a year.
240 - do you realize what insurance is in the first place? I know you have an MBA, but sometimes I really dont think many people understand the role of insurance.
I pay $285 a month and never use it and think it is very fair considering the fact thatt he carrier is potentially on the hook for hundreds of thousands of the dollars if somwthing happens to me.
However, the price for me could be even lower but for the fact that the stpud govt we have in NY has so many mandates on carriers to cover things from soup to nuts that it drives up my costs more than it could or should be.
If you want someone to blame, its the govt, not the carriers since they impose mandates on carriers to include things in your policy that you never would possibly use.