I also need to know: How do insurers adjust my rates if my driving habits change? Does a bundle's convenience actually outweigh the savings of mixing and matching separate, specialized policies?

Liability insurance comes into the picture when you are responsible for others' damage.
Collision covers damage done to your car from an accident.
Comprehensive protects against non-collision incidents like theft or damage done because of weather.
All these coverages offer distinct forms of protection for different types of events.

The S&P 500 provides information about the performance of 500 leading US companies in the stock market. These companies cover many areas, like healthcare and tech, finance, and consumer goods. It's a key measure of the market's strength, and because many investments try to follow its performance, it's a vital tool for investing and understanding the economy.