Journal of a 77 Year Old Gay Man Coming In For the Final Landing

Posts tagged ‘The Hartford’

Auto Insurance Shopping Day



Yesterday I received notice of my auto insurance renewal.  The price went up again!  


Up until I got my new 2010 Subaru Forester in September of 2010, I was paying around $68.00 a month for full coverage for my previous car, also a Subaru Forester 1998.


I expected my monthly premium to go up and it did, to about $88.00 a month.  My insurance is renewed every six months.  Each time my premium crept up.  My latest premium was $97.00 (I left off the pennies) a month.  So yesterday I was justifiably shocked when I received my new premium notice for $103.97 a month!  Now I was paying over $1,200 a year for auto insurance coverage.


Excuse me?  I have an excellent credit rating.  I haven’t had any accidents or moving violations.  I’ve never made a claim on my auto insurance.  And my rate goes up each six month interval?  Really?


Yesterday at work I check with my boss to see what he was paying for auto insurance.  He told me “around $800 a year.” His insurance also included his life insurance!  Like me he said he got a reduced rate because he bundled his homeowner’s insurance with his other insurance policies.  I do the same but still have high premiums.  


Time to shop around for new insurance.  That’s what I did this morning.  


I am a member of AARP (of course I am, I’m an Oldie Goldie) and AAA.  I called the AARP Insurance program from The Hartford.  I receive mailings all the time urging me to change insurance but I’ve always thrown them away, figuring they’re all about the same.  Oh how wrong I was.


I called the number for the AARP Insurance program from The Hartford this morning.  What a surprise!


Here’s the deal:


They can get me a YEAR of insurance for $566.00.  That is a 54% savings over my State Farm auto insurance policy!  54%!!!!  YES!


I also got a quote for my homeowner’s insurance (for which I’ve never made claim) and they quoted me $574 versus $849 that State Farm was charging me.  That is a 32% savings!  


Of course I signed up immediately.  They take care of all the paperwork.  I don’t even have to call State Farm to inform them that they were overcharging me.  All I have to do is sign the papers that The Hartford sends to me.  


My total savings are $660.06 on auto insurance and $275.00 on homeowner’s insurance for a total combined savings of $811.00.  Hey folks, I can use it.


Being retired as I am now, I am living on a fixed income.  I have my part-time job to try and stay ahead of inflation and to indulge occasionally in a few little “extras”.  One of the main reasons I moved to Delaware was to get away from the ever increasing school taxes of Pennsylvania.  Now I had a new problem with my auto and homeowner’s insurance.  I just took care of that little problem this morning.


Thank God for competition.  At least I can buy some time now with these new insurance policies.  


This is a good start to my day.