Thursday, February 26, 2009
photo from Google images
I switched insurance companies today, for my homeowner's and auto policies. This was a huge deal for me, psychologically, for a couple of reasons. First, I absolutely hate dealing with money. Most of the time I love being on my own, but when I have to do anything dealing with money, I really wish I had, at the very least, a sounding board regarding the decisions I'm making. The simple fact is, money doesn't interest me. I know that I need it, and there are times that I take real pleasure in spending it, but as a divorced woman, I've also had to learn how to handle it, and for the most part, that has been a painful experience, and one for which I never have much enthusiasm, in part because I'm never sure that I know what I'm doing. Second, I've been with Company A for about 15 years, and they've always been great to deal with, so a part of me felt guilty even thinking about switching companies. But my premiums had risen so steeply that I decided I had to get comparison bids from other, equally well rated companies. When I did that, it was clear that the amount of money I'd save by switching was substantial and I couldn't justify not doing it. I called Company A and told them Company B had done an apples to apples comparison on both policies and asked them if they could match it. Any guilt I'd felt evaporated when I got their response. For the auto policy, they were willing to switch me to one of their lesser companies, which would lower the premium slightly; for the homeowner's, their suggestion was that if I wanted a lower premium, I should increase my deductible from $500 to 1% of the overall value of my property on all claims. Huh? I may hate dealing with money, but I'm not stupid. I said thanks but no thanks and called Company B and had them draw up the paperwork, which was then faxed to me. I signed on the dotted line and faxed it back, and gave them credit card information for the premium, at which time I was faxed a temporary ID card...all of which left me feeling like I wanted to crawl into bed and pull the covers over my head. It's not supposed to be like this, is it? Aren't I supposed to feel empowered or something? But the people I like best in this world tend to share my loathing of dealing with money. Dunno what that says about us...