Midpack
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I think DW and I are pretty thrifty and can provide many examples, however...
I just got our auto and homeowner policy renewals in the mail, and that coupled with another ER.org thread on auto insurance prompted me to go online and get auto insurance quotes from other major carriers. They quotes came back at less than half what I was paying. In my (lame) defense, I had seen articles in Consumer Reports from time to time of people paying much more for auto insurance than DW and I, so our premiums didn't seem out of line, though those were families.
On the verge of switching, I called our carrier to find out if there were any conditions I should know about cancellations to make sure I didn't have duplicate coverage (and cost) for weeks or months. I was calm but they undoubtedly realized they were about to lose a long term customer (auto insur since 1977, home insur since 1990), so they offered to review. I'll spare you the details but
Our auto insurance went from $1,970/year to $789/yr, same coverage except I increased deductibles which lowers costs (but not that much).
After that shock, I asked to review homeowners. That went from $1,875/yr to $942/yr, exact same coverage.
I don't know whether to be happy or totally pissed, but I am leaning toward the latter. I really thought we were on top of things, but here's a case where I was completely oblivious, and boy do I feel stupid right about now. If you want to call me stupid, you're entitled today.
Most if not everyone here is probably on top of insurance costs, but I share this story to encourage any one who hasn't checked in a while - it might be wise to do so. Though I honestly hope there is no one else here as dumb as me...
I offer all this as a public service announcement.
I just got our auto and homeowner policy renewals in the mail, and that coupled with another ER.org thread on auto insurance prompted me to go online and get auto insurance quotes from other major carriers. They quotes came back at less than half what I was paying. In my (lame) defense, I had seen articles in Consumer Reports from time to time of people paying much more for auto insurance than DW and I, so our premiums didn't seem out of line, though those were families.
On the verge of switching, I called our carrier to find out if there were any conditions I should know about cancellations to make sure I didn't have duplicate coverage (and cost) for weeks or months. I was calm but they undoubtedly realized they were about to lose a long term customer (auto insur since 1977, home insur since 1990), so they offered to review. I'll spare you the details but
Our auto insurance went from $1,970/year to $789/yr, same coverage except I increased deductibles which lowers costs (but not that much).
After that shock, I asked to review homeowners. That went from $1,875/yr to $942/yr, exact same coverage.
I don't know whether to be happy or totally pissed, but I am leaning toward the latter. I really thought we were on top of things, but here's a case where I was completely oblivious, and boy do I feel stupid right about now. If you want to call me stupid, you're entitled today.
Most if not everyone here is probably on top of insurance costs, but I share this story to encourage any one who hasn't checked in a while - it might be wise to do so. Though I honestly hope there is no one else here as dumb as me...
I offer all this as a public service announcement.
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