> $48K is some phony list price that doesn't matter. It does matter, though. These high list prices sacrifice the uninsured for larger chips at the insurance

> $48K is some phony list price that doesn't matter. It does matter, though. These high list prices sacrifice the uninsured for larger chips at the insurance negotiation table. The uninsured don't have anyone negotiating rates for them so they end up paying the list price (or going bankrupt instead).