Dear Editor, We all know that insurance companies would never lie. I mean, we are in good hands with one company, we can have it all with another, or we can talk to a foreign-born lizard in a third. I do have one question. A few of the major insurance companies are claiming that you save "X" amount of dollars if you switch to their coverage. So … if you switch coverages enough, will your premium eventually end up being zero? Or does it go on indefinitely and they will actually end up paying you money to insure your vehicle?