c'mon, man.   You're a troll and you know it.  I didn't insult you at all.  Your opinion is objectively wrong.  You attacked me when you said that i was "up set." I'm not up set at all.  why do you feel like that was an appropriate response to me?  Why did you personalize this.  Your opinion is unpopular because it is inconsistent with the data that insurance companies use to set their rates and premiums.  There is actual data that proves that you are wrong.  

I'm not trying to hurt you.  I'm sure your a very muscular, popular man in real life. But, you posted an opinion that is objectively, demonstrably false.