For any insurance premium, you pay for the average claims estimate plus profit and commissions. That is what Indy Coug and all the actuarials get paid the big bucks for.

If your claims are above average, you win by paying premiums. If your claims are below average or equal to average, you lose paying premiums. If you assume you’re going to have average claims, you self insure.

That’s the math. Ask any actuarial if you don’t believe me.

Also, compressive doesn’t cover much - hit a deer, hail storm, burns up in a fire. I’ve been married for 30 years and neither of us nor any of our kids have had a comprehensive claim. That is why comprehensive premiums cost almost nothing. Hardly any probability of a claim and lots of profits for the insurance company. More math.