Me being 100% at fault for an accident vs me possibly being in an accident where I am at no fault.

I don't have the liberty to take days off due to weather. It doesn't matter what the weather is. I need to get there. A few inches of snow doesn't bother me at all. Take it slow, just make sure I make it to work.

To the grocery store? Yeah fuck that. But I absolutely have to make it to work no matter what. No I'm not switching jobs. They're all like that in my field and it pays to much.

Chances are a set of snow tires is cheaper than your deductable and will last you a few years. All season's are nice usually, but I managed to stop around a turn when I saw an accident and had 5, 5!!! cars fly around me into the oncoming traffic's lane. Really sold me on them. Winter tires are miles better than all seasons, the 2 times a year it really matters can save you a ton of headache and money.

Man, the shop I go to for inspections... I literally walk in with my paperwork, sit in the office, and the dude just fills me out a new sticker. Takes all of 5 minutes.