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what is the least expensive/best... 1) phone service? I keep hearing commercials for vonage saying it is only $24.99/month for unlimited nationwide calls, but is that really the best/cheapest? Anyone know of any that are cheaper? 2) car insurance? I keep hearing that geico is the best/cheapest overall. Anyone know if this is true? 3) broadband internet service? I keep hearing commercials for netzero, which is only $9.99/month. But is that for broadband, or just dial up? Is it the cheapest? Also, one more question 4) if my father has an outstanding balance on his credit report with Verizon, will he still be able to get phone service with another company? I need to know the above because my father and I may be getting into a mobile home, and if we do I should like to have the least expensive services so we can save money. Also, I am 21 and still can't drive, but I would like to have the least expensive insurance in the event I learn to drive.