okay, but no one believes the intent of the insurance company offering the discount is for you to keep a piece of paper in your file. This is a problem that has helped the demise of our country, (here I go again, on the soapbox): the idea that if it's "legal", it's okay to do. This leads those who want to do unfair or immoral things to other people, to simply make those acts "legal" or at least not specifically against an interpretation of the law. Laws don't represent right vs. wrong. They represent who is in charge at the time the law was made.