When it comes to having the best auto insurance you can buy, I think I would select the duck over the lizard every time.
I mean, how many times have we almost wrecked and at least one of us say "Duck!" and we know something bad is gonna happen. We're immediately alert and begin to duck!
But if somebody yells "Lizard" everyone in the car will be lifting their feet and looking down at the seat while we plow straight under a stalled Semi-trailer truck.