I didn't read the whole post, so sorry if it's a repeat! Look into www.usaa.com used to have to be military to get in, not sure of they changed it, I do my insurance, credit, house, savings, checking everything thru them, no fees, the biggest drawback is they only have branches in TX or something but they overnight everything to you on their dime, that needs signatures and the rest can be over the phone or online. I have a 2007 Chevy silverado, 2003 escape and 2003 escort, 1978 Suzuki gs550 and a Ducati 750SS all covered thru them less then 100 a month $100 deductible and 2x state minimum coverage. And I get a profit sharing check every year, usually it's about equal to an insurance payment. (month) Edit: no ATM's but I get refunded up to 15 or 30$ a month, Real men ride twins