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Auto Insurance

June 16th, 2011 at 07:01 am

I got dh's auto insurance renewal and was able to sign up for the low mileage discount for him.

His premiums had reduced $70 per year, anyway. When I get the paper bill I will look at what changed. Woohoo!

I then got a $20 up front discount for signing up for the low miles discount. It's State Farm "Drive Safe and Save" which I mentioned recently. Before you had to drive less than 7500 mils or so per year to get any discount, but if you sign up for this program they have a tiered savings program. Since we drive about 10k miles per year, each car, will have a chance to save 5% - 10% off our premiums.

I signed up my van before, but had to wait for the other car's insurance to renew.

Before we moved to Sacramento we had just turned 25. I remember our auto insurance was next to nothing (neither of us had collision insurance either, with our OLD cars). We moved up here and it immediately doubled. Rolleyes I could quickly see why. I drive different here. Everyone is CRAZY. I wouldn't label Bay Area drivers as the best and the safest, but when I am there it's TOTALLY different. People are polite there. Here? God forbid you try to merge. People rather run you off the road. Literally. God forbid you drive the speed limit, etc. Everyone is in some insane huge hurry - no idea why. & just little patience when anyone gets in their way.

Thus, I understand the high insurance.

So, to see dh's auto insurance drop below $300 per semi-annual renewal, is pretty sweet! Was $400 just a couple of years ago - and this car hasn't had collision in many years either. So, it's just the liability insurance. We are probably paying more than we were a decade ago, still. But it's getting better.

7 Responses to “Auto Insurance”

  1. Ima saver Says:

    That still seems high to me. I am only paying about $300 every 6 months for a new corvette. (full coverage)

  2. MonkeyMama Says:

    Yes - it is definitely VERY high here. & trust me - we have shopped around. & we both have *perfect* driving records. Of course, is a huge incentive to keep it that way!

    I just had no idea a 100-mile move would DOUBLE our insurance. It probably wasn't "low" to begin with being California and all.

  3. Looking Forward Says:

    That's great! And I'm pretty sure Cali has the highest auto insurance rates. Blah.. I think crime might also be factor??

    On a totally unrelated topic: I started watching Game of Thrones. Love it! Love it! And I have caught up on all the episodes, staying up 'til midnight Smile Now I am thinking I should read the books. I have a question for you if you don't mind. Does the show start where the first book starts? If so, how far into the book has the TV show gotten? Thanks.

  4. MonkeyMama Says:

    Yes - the first season (10 episodes) is the first book. Starts on page 1. Big Grin
    It's about 1000-ish pages, so you can imagine how much had to be cut or glossed over in the series. In the last episode when Tyrion was knocked out at the beginning of the battle I thought, "I don't remember it happening that way." Then dh voiced the same thing alound. I think it summed it up, kept it short, and saved them money on effects (to not have to show battle). The fight scenes with Tyrion are always kind of amusing in the book. Likewise, Daenrys character makes little sense in the rushed pace of HBO. BTW, we both had no idea Renly & the Knight of Flowers were gay. VERY subtle in the book.

    Glad you like it! It only gets better...

  5. MonkeyMama Says:

    We also have more than the minimum liability coverage. I am sure we could get *cheaper* insurance - not sure we'd want it!

  6. Looking Forward Says:

    Thanks! Big Grin Have you looked at all the "stuff" they have at HBO's homepage for Game of Thrones? A really neat map and family trees for the different houses.
    I'm really not trying to hijack your comment section with all this unrelated talk... Really. Wink

  7. MonkeyMama Says:

    I am glad someone is excited about it! Big Grin
    I haven't really looked at the website much. The books do have the family trees, which is a must to keep track of the story. The online ones may be a nicer reference.

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