By: Revanche

Choices

July 7, 2006

In contributing to the family budget, monetarily or in terms of time devoted to searching out a better deal or a better price/package for a variety of services, I’m frequently frustrated by having to work with the non-ideal scenario that is not under my control. Today’s case is ….. auto insurance! I did the usual: research the top companies, compare the exact same quotes with the same requirements, increase the deductible to $1000 since I know I have enough in the e-fund to cover that, drop any unnecessary coverage.

BUT, the things that would really help lower the price are not options!
ie: I can’t age our vehicles, unfortunately we have relatively new cars (2003, 2005).
AND: I can’t improve the family’s driving record: every Ducky in the family has some dings on their driving record. BroDucky most of all it seems, but since cutting him out of the plan is not an option …

On the bright side, the credit union membership that I’d financed my car through three years ago and hadn’t gotten around to cancelling may offer an additional discount for our current company. Or …. the only representative they have is on vacation and they don’t have anyone else available to help. Drat! You know, shopping for insurance is really not fun at all! I’ve been doing it for about a month now and haven’t turned up any good deals at all. I think the only one quote that was significantly lower (about 200-300, per 6 month term) was esurance.com, but I can’t really find any sort of feedback on what kind of company they are. And I think this is really a situation where you do get what you pay for, I’m not willing to compromise that much on quality when the gains are so little.

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