I was in the middle of a five car pileup a few weeks ago (first time I had been in my car in almost a month and that's what I get!!) and I am still swimming around in police reports and forms and calls to the insurance company. My car is still drivable, but it's pretty sketchy to drive and I haven't used it at all since the crash.
Anyway, the crash wasn't my fault and my insurance company should be able to handle paying for the repairs without causing any damage to my wallet. The agent I've been talking to is pretty helpful and seems to appreciate my patience, and he's also pretty impressed by the fact that I ride my bike and don't miss the use of my car at all.
Unfortunately there is a thing called winter here and it can't be that way all year round...
But it made me wonder, has anyone seen their insurance premiums go down because they told their insurance co. they were a cyclocommuter?