I thought about doing this, but I'm worried that if I go changing things early the insurance company might in turn evaluate my insurance plan before the term is up (pretty sure they can still do that if some insurance adjuster gets a lil' bored at the office) and charge me more money because they're assholes...or because of my ticket last summer. ...hell, who am I kiddin, if it warms up one day during the winter I'm on the bike!!!