“No, I do not; I'm cheap.”

— Ryan Fox, teacher, Chesapeake, Va.

“I do it because my mother pays for it; it gives her peace of mind.”

— Ashley Acosta, graduate teaching assistant, Norfolk, Va.

“No, I don't because I get roadside assistance on my cell phone for $2.99 a month 000 and they towed my car twice within the span of 40 minutes.”

— Jawad Obaid, graduate student, Dubai, United Arab Emirates

“I do not because I've never thought about it before.”

— Megan Riley, hair stylist, St. Louis