ssgumby - 8:28 pm on Jun 9, 2009 (gmt 0)

"does it make any difference at all"

Yes, it made our lives miserable. Years ago we tried this and we were swamped with people making claims they found it cheaper here or there. Of course we had to take the time to research to see if it was cheaper, 99% of the time we were already cheaper when you factored in shipping which was clearly stated on our policy. But the time we spent on all this was not worth it, at least for us.