well I chose my computer and car because I'm a photographer and I needed that stuff to make money in the first place. My cable tv came with the internet I need to do my job.
I sure as hell don't know where my smart phone, gaming system and flat screen tv are that I supposedly bought. They are certainly NOT where I live.
However I could get those things if I save up. They are one time expenditures.
Insurance is nto a one time expenditure. It's ongoing. So it would be like buying a flat screen every month for years on end.
Not really a good comparison to begin with.