nostr:npub1y3h9zwcx03upnxe2zpnj4n7gc3h7m0x6psmh6w0qnk68dxkuyglsxkfkts , I wish I had learned this decades ago, but those guys who try to sell you insurance on the interwebsnet? They will sell a new years' insurance at an introductory rate, and if you switch providers every year, you can get the new rates every year. Totally worth it, but a pain in the butt to remember to do. And hundreds of phone calls to screen...