Thanks all for all the replys. some very helpful, some very not.
I did get a call from GMAC stating they had been notified of my remarks on line. Dont know how they got my home phone number and name but cant believe it was from IRV2. I did post on Good Sam Forum. Dont suppose there could be a connection there do you!!!
Anyway after a long discussion and exchange of opinions I declined her very gracious offer to reduce my coverage to lower my premiiums. Wow what a deal
Sometimes you get what you pay for, sometimes you dont....