If you do not use it, you lose it.No bargain, other than you are insureable..... who knows, I could wind up with problem that would send rate up...then might have to move to MA or WA or some other state with good available insurance...OF course if you live in MA (Taxachussetts), you also pay likely another $5000 or more in state income taxes and other taxes over Texas....plus you have to put up wit