I.P.: No one once, in that thread or this one, said one shouldn't pay what they are responsible for. We get your point, and no one has disagreed.I won't say any more on the subject.
I don't think anyone can blame you for being passionate about the subject. The problem is, insurance companies have a whole lot of statistics and data on drivers of various backgrounds, but do their best not to have this sort of information leak to the general public.
I've driven for over 8 years. All of my family (parents, grandparents) have driven significantly more than I have. None of us have even 1 accident than can be claimed as ours (Though there WAS this incident I drove into a ditch because of an iced dirt road but I digress...)
What you CAN save on, that saves you the most, is collision/comp. It only affects YOUR vehicle, when damage is done to it outside of your control. Hit and runs, parked damage, theft, trees, etc. I drive a cheap 2001 tiburon. Collision/comp would have cost me another 50/month. And you should pay this assuming you will one day take advantage of this... which means paying a deductible, and paying higher insurance premiums after the insurance company increases your premium because you've filed a claim.
In short, if you do what many here do (ie, drive a very cheap vehicle), it isn't worth the collision/comp portion of insurance.
How much might be needed for Injury protection is another matter. I wouldn't advocate the minimum either, but I would venture to guess most middle class are grossly over-insured. (Which would make sense, given that's what the insurance agents would want to sell you)