Music for the Masses

Wednesday, December 3, 2008

Now THIS Is Excellent!

I called our old auto insurance broker company today. We've been paying a ridiculous amount for coverage. Granted, we had a $100 deductible, but that's proven to be a bust since we're safe drivers. I'd rather save more and go with another carrier than worry about the deductible.

So I called them. They told me they could save us almost $1400 a year in auto insurance with the EXACT same coverage. Only difference is we would have a $500 deductible instead of a $100, but considering we've never had an accident, and we're extremely cautious drivers (mostly), paying that much more on the chance we'd need to spend money on a deductible is kind of silly.

Then the agent asked me about home owner's insurance. They're going to save us another $203 by bundling auto with the home insurance. All told, we'll be saving about $1600 a year. I don't know about y'all, but that's pretty dang exciting news in our book!

We're dropping our cell phones since my company provides me with a cell phone, and we're picking up a new carrier for weef with a cheaper plan, so that'll save us a bundle.

All told, by the end of the day, I believe we're going to be saving over $2000 a year. That's good stuff, right there. We have stuff around the house that we're looking to sell as well.

It's amazing what this economic crunch can cause as far as thoughts and planning goes. I mean, honestly, the things we're looking at selling are things that are extraneous around the house that we just don't use, like the little TV and DVD player we barely use; the chair in the spare room that's just sitting there, unused; stuff. Things we don't need/want, or things we just don't use ... all going away.

In their place, we'll buy things that we know we'll use or need. Nice!


PinkDagne00 said...

Saving the moolah is always a nice thing! Last year Steve sold his winter rat and it saved us about 700/yr on insurance costs. Good times.

JLJ said...

Doesn't it make you wonder why no one from your insurance ever contacted you about how you could save money? I guess, there's nothing to wonder about. They were making more money!

OK, I must comment on the previous, 3-4 posts. Y U K!!!! I'm so sorry you had to go through the disgust that is lice. I had a couple times as a kid and I still remember reading, in horror, the back of the shampoo bottle that said something like, "Do not leave on head more than two minutes. May cause brain damage." I guess they don't make that kind anymore. Too many brain-damaged law suits. :)

Ree said...

Yeah, I'm thinking this economic downturn is not the horrible thing the media is painting it to be. For years we've been hearing how many gazillions of dollars Americans have racked up in consumer debt. Now they are saying retail profits are down as if that were a bad thing. NO! That means people who are deep in debt are spending less money--this is a good thing!! "Correction" is the right word for what is going on in the economy.

Congrats on finding some bonus savings! That is always exciting, like finding a $20 in the couch cushions.

Winter rat?

Texie said...

Sounds like you guys are on the right track! I feel like no matter how hard I try I keep getting waylaid from the track. and I have that urgency in the back of my head...that ever looming pressure of dread and dispair, if things get worse with the economy and I dont have it together what will happen? Good for you, keep it up!