Oh crap I was about to try changes to my auto policy on the lizard's online portal to see if I could get it any cheaper while still having enough liability, uninsured, property damage, collision and comprehensive for my litigious state. Glad I saw your warning not to consider modifications in this screwy market. Thank you!
I still may shop it to a different company before my end-August 45% rate hike. Not considering the phone spyware discount though, for the reasons you mentioned.
You will be blessed with an absolutely glorious cat.
We once found an abandoned smoky grey longhair that young and that mighty cat was the ruler of our household for many years. May you have ages of love and hijinks with this kitty!