I can remember when I was a teenager, how expensive auto insurance was for me. My parents made me get a part time job just to pay for them adding me to their auto insurance policy! I didn’t even want my driver’s license; my parents made me get it so I could drive my mother to work and pick her up again when my father was overseas. I thought it was profoundly unfair to have to pay for my own premium under those circumstances! And I thought that the rates were outrageous for young drivers! I understand the thought process behind it – young kids are more likely to take risks, but I think that the really old people are worse drivers and their premiums should be higher as well!
I’m glad that there are stricter guidelines now for the teenagers that drive, and I’m glad that so many of the states have seat belt laws. As much as I don’t like seat belts myself, I agree that they can reduce injuries and save lives. And I think all cars should be equipped with the breath analyzer that you have to blow into so the car won’t start if it senses alcohol on the driver’s breath! I think that should just be standard equipment! And for every twenty minutes driven, a new breath analyis takes place. That would save a lot of lives, too!
My wife has put me in charge of doing some comparison shopping for cheaper rates on insurance. Currently we have our home and auto insurance bundled together; we understand that we can get better prices by doing it that way. But we are constantly inundated with junk mail about saving money on insurance, and so we’ve agreed that it might be worth looking into.
I found a website that is called netquote.com that makes it easy to compare prices on insurance anywhere in the US. For example if I wanted to find Indiana insurance all I have to do is fill in a few fields and click on submit and the quotes are on the way! So I’m going to check it out and see if we can save any money ourselves. Wish me luck!
One of the biggest reasons why my life is in such a mess is because the lady who caused the traffic accident I was in over two years ago didn’t have enough on her car insurance limits to pay for my medical expenses. That doesn’t even begin to touch the lost income, either! Naturally we had under-insurance coverage on our own auto insurance policies, but even that isn’t enough to pay for my medical expenses.
I’m all for people trying to get cheap car insurance as a way to save money, but I think that the best way to do that is by increasing the deductible, not decreasing the liability! If you are checking around for cheap auto insurance, please think of the other people who you may accidentally injure and get a policy with decent liability. Only having $25,000 is not enough. I know that is legal to have that low, but it shouldn’t be!
I was using my John Deere tractor to plow and scoop snow out of the driveway, and the oil line broke. Well, it is never a good time for a breakdown, but this is one of the worst times! So I took my tractor to the local John Deere dealer for repairs. There was a time that I would have been able to do the repairs myself (I have done it before) but ever since my accident I have not been able to do that kind of repair anymore.
Well, they really overcharged me drastically. They charged me for five hours work when I know it would have only taken me three, and they charged me for four quarts of oil, when I know it only takes three. Even the owner’s manual tells you that it only takes three! I told my wife about it and she told me that I should bring the error to their attention and ask them politely to correct their mistake. I’m afraid that if I complain that they will remember me as a bad customer and not take good care of me in the future. So I’m inclined to let it ride. My wife says that I should just approach them nicely and assume it was a typographical error and for them to please correct it. She says if I handle it right then they won’t be upset. I really don’t know what to do!
Well here we go again. We are supposed to be getting a lot more snow starting tomorrow sometime. My car still has over 2 feet of snow on it’s roof from the storm we got over the weekend. I’ve been driving my truck these past days, the roads are still a mess and I trust my truck a whole lot more than my little Honda in this type of weather.
Guess we will see what happens. It is February.
