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Relying on teh autosaves is very risky. All you need do is get caught up in a battle with a pile of Xenon and lose track of time... Or get involved in laying out a large complex only to find you madea mistake in teh layout or you crashed your TL into a station. The insurance alllows you to make a save just at the point of risk.
Imagine you took on a sector patrol job. Left the station; patrolled 3 sectos killed off a few enemies for your hirer. Then just as you are returning to base you get hit by something large. Not only have you lost all that bounty, you lost all that time too!
Now imagine you used insurance just before each fight. Your game is safe. you can carry on playing from any one of the saves you will have made and if the phone rang or simply had to go to the toilet - you can do so without flying to the nearest freindly station to dock.
After each fight pick up a few missiles that are usually left lying around. 1 medium missile will usally pay for the insurance you used before the fight. Just go to sell it at the nearest station. Often you will find eager buyers wanting what you have at a price worth selling. Don't forget you can often Barter those missiles for something better in the station Trade menu.
Or going through a jumpgate and finding a nice big Orca parked on the other side. *SPLAT*...Though i think that "bug" *if you can even call it that* was actually fixed so it can't happen but I could be wrong. I am still weary when I play a game and am nice to the squids.
it still happens i had it none i went trough a gate with my M2. and suddely if the nexst sector loaded somthing exploded on my ship. and took 30 percent of my shield off.
To the guys smashing into Orcas or other large ships at jump gates, you know those lights beside the gate that blink and whatnot? Yeah, stay away from the gate if the signal shows someone coming through. Once I learned what those lights were I never ran into another ship again. Well, not by a jumpgate at least.
Last time I bought salvage insurance I spent millions of credits to keep the "oh crap I'm out of Salvage Insurance" thoughts out of my mind. I think I'm down to ~400 salvage insurance ATM. Also I don't like to jump back and forth every 30 minutes to an hour to buy more salvage insurance. Don't know why but this makes me think of the range anxiety people have with electric cars.
Early in the game salvage insurance CAN be a luxury to have.
To me the most valuable asset that salvage insurance prevents me from losing is the CONSIDERABLE TIME my precious marines took to become almost 5 star. So far I have 93 hours on record with X3:AP and you can be certain that most of those hours were spent training marines to their current 4.5 star level.
I'd rather lose all my property and wealth (save 1 ship) than lose my marines.
not a bug working as intended.
Learn to read the gates traffic lights . . .
If when you approach the gate the white 'approach' lights are flashing red, going through means heading into oncoming traffic, and certain splat related death.
White lights with a green flash means no traffic and you are good to go.
On topic, the original question is dumb the ability to save whenever you feel like is mandatory, worth paying for and not even an expense by early-mid game
The white approach lights that you see running towards and past every gate. The same as you see the white docking lights running into a station docking port.
If unable to find these 'lights' fly close to a station/gate. lets say 1km. Turn on autopilot (henceforth known as autopillock). You will fly away from the gate/station towards some random point in space. Your ship will eventually stop and turn and face the station/gate.
Autopillock took you to the starting point of the 'lights'. you should now see two sets of white lights like you see down roads running from you to your gate/station. They blink just like on runways for aircraft
Stop your ship dead in the water and observe these blinking lights. these sets of white lights blink with a green 'wink' if you are clear to fly through a gate or have 'commed' the station for docking rights.
Conversely should you have traffic approaching the gate (from either sector) or no docking rights to a station the white blinking lights will have a red 'wink' in them