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Well...
I'm not wealthy enough to not sweat car insurance. My last insurer raised me to $4000/yr. Less than an hour of searching and online application got me down to $2750/yr. No phone calls involved. It's could be a tactic by insurers, to slow cook their long term customers to see if they notice. I've ended up ping ponging back between the same two as they compete to get my business but not compete to retain me.
I never ever pay for parking in Manhattan. Bike, moto, public transport or uber/lyft. Rare occasions, I street park. I've lived in or extremely close to Manhattan for 20 years.
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