Let's face it, car insurance policies are about as exciting as Hello Kitty Snuggies.
Chances are you haven't even read your auto policy cover to cover, unless you did so in a desperate move to lullaby a colicky child to sleep.
But this year, five new car insurance offerings hit the streets with enough thunder to wake the masses.
Two of these hot new products kicked off with equally funky national TV campaigns -- the commercials are for Vanishing Deductible from Nationwide Insurance, in which an insurance spokesman vanishes, and Better Car Replacement from Liberty Mutual, in which a guy peels away a wrecked car to reveal a new car underneath.
Two other innovative products -- pet injury coverage from the Chubb Group of Insurance Companies and Mobile Food Vendors Insurance from Whorton Insurance Services -- fill a very real insurance need that has never been met before.
Finally, you would had to have witnessed the annual spontaneous artistic combustion in the Nevada desert known as Burning Man to fully appreciate the unique challenges of Heffernan Insurance Brokers' insurance program for Burning Man participants.
Shrinking deductibles, equal auto protection for pets, props for our favorite taco wagons, a guaranteed newer car and coverage for whatever weirdness might happen at Burning Man?
What's not to love?