I got a letter, about a month ago, telling me that my car insurance policy was being canceled. Unbeknownst to me, I'd been riding on the coattails of my ex-husband's Champaign County Farm Bureau membership and they "caught" me.
I went out, then, to pick up a new policy elsewhere. I have a clean driving record, and figured it would be an across-the-board transfer to another company.
My insurance, for the last 2 years, has cost me about $220 every 6 months. Dirt cheap, I know.
The first company I visited (State Farm) quoted me $355 every 6 months.
Why? I ran home to get my current policy to bring back and hash over. While I was home, I called a 3rd company (American Family). This third company, for the very same policy that I already had, quoted me $82/month. That is, $492 every 6 months.
I pushed the agent to explain to me how there could possibly be $270 difference for the same policy offered by my current company. She said "I don't know. That's just what it costs."
I had one, last-ditch, hare-brained idea: I called my insurance agent (at Country Insurance) , and asked if I couldn't just get my own CC Farm Bureau membership.
He was all like "of course" and I was like, "Yay, but why didn't they indicate that on the letter that said 'we're going to drop you?' " Only I didn't really, like, say that, because I didn't want him to change his mind. (I'm like, done talking like this.)
My Farm Bureau membership cost me $20.
6 months of full-coverage car insurance, with rental insurance, and roadside assistance: $208.00.
The moral of the story: Shop around, and if you want my insurance agent's name, e-mail me.
The quandry of the story: How can I be such a shrewd, shifty-eyed business woman, saving pennies every chance, and still have the credit card debt that I do?
It's a complete mystery.