Leasing a vehicle?

Insurance and investing are both calculated risks.

Only you can determine what your risk/reward comfort level is.

Personally, I would rather pay myself to be quasi-self insured for possible damages to my own property with the potential reward being a fairly large sum of money earning decent interest and available for a major purchase (potentially without financing) or an emergency, than pay an insurance company, just in case or a financial institution to borrow money.