My auto insurance is with Liberty Mutual and I've been really happy, but I still feel compelled to shop around each year to make sure I'm getting the best rate. (They're usually the cheapest, and it would have to be a significant difference to get me to switch). I checked with Allstate, Progressive and Geico. My current policy with Liberty Mutual is $3334/year. Progressive was around $4000, the cheapest policy with Allstate was $3600, and Geico came in at $3114, a savings of $220. Normally, I'd consider a jump for that kind of savings, but given that I've been with LM for so long, I won't be charged for my first accident or ticket in the future. Geico didn't have such a deal for 5 years, and I figured the $220 I'd save each year would end up costing a lot more if I ended up with the accident/ticket. But I decided to call Liberty Mutual anyway and see if they could match Geico's price. Unfortunately, I'm taking advantage of pretty much every possible discount, so there wasn't much he could do. I removed the towing and rental car options, for a savings of about $75/year. (We already have AAA for towing, and we have an old third car on the policy to use if we were in an accident). He also told me that if hubby and I took a defensive driving course, it would save us $120/year, renewable for 3 years. I'm definitely looking into it, though I doubt hubby will be too excited about it. I think I'll push the issue anyway, because saving $360 for a few hours in a class is definitely worth it in my book. Between the $120 for the class and the $75 for dropping the rental cars, I'll have saved about 6% on my auto insurance. Not too bad...
In addition to the whole car insurance thing, I had a really productive day. I finally did 6 loads of laundry, and pretty much caught up. (I also finally took DD and DS for haircuts yesterday...so badly needed it wasn't funny!). After CCD, I took the kids to TGI Fridays, because hubby ended up going out to dinner with colleagues tonight instead of last night. I wrapped all of the presents I have in the house, and ordered three other things online. I need to double check my list, but I think all I have left to buy are a couple of DVDs. I sold another book on half.com (it's that whole feast or famine thing), but this was only for $1.95. (I'll still take it!).
I have a few things on tap for tomorrow. First, I need to fill out a few rebate forms. One of the game companies (Parker Bros?) has rebates out for a bunch of their board games. I love playing games with the kids, so I picked up a few for Christmas at Target last Friday (for about $7.50 each) and they each have $2 or $3 rebates. Good deal. Also, one of the gifts I ordered tonight from Amazon (which was already $3.50 cheaper than the catalog I saw it in) had a $5 Amazon rebate attached to it. So I need to get those out the door. The kids have checkups with the dentist tomorrow after school, and I just blanked out as to what else was on my list, but it will come to me. I guess it's time to head to bed...
Thoughts on auto insurance
November 30th, 2005 at 04:11 am
November 30th, 2005 at 04:13 pm 1133367211
Keeping It Fruigal in Texas,
Laura
November 30th, 2005 at 05:31 pm 1133371908
Gail