Saturday, March 9, 2013
Would You Like Animal Insurance With That?
First off let me note that this post is in no way meant to impugn the career choice of those who work with insurance. It's just a lighthearted look at my family's most recent experience in obtaining a new policy.
When I moved to Michigan, I got a brand new SUV just before I left because I wanted something to go through the snow (the SUV really doesn't do that well, but that's another story). I paid the loan off w/the sale of a house and that vehicle is still the one I drive. That means I haven't dealt with an insurance company for close to 7 years, at least not in the form of purchasing a full-coverage auto policy (I just kept mine intact and never changed it or worried about it).
Now that auto is getting older and doesn't need full coverage, and hubby's new car most certainly does. So I called it in to make the changes. The options were atrocious and some were funny.
Insurance Agent: "Would you like animal insurance with that?"
Me: "Excuse me?"
Agent: "You know, in case you run over an animal or something."
Me: "Um... no. Thank you."
Animal insurance? Seriously? How many people are paying animal insurance, and how many are actually cashing in on it?
There were others, and some were just as comical, and every option increased your monthly payment (some by not so little of an amount).
It was an interesting process. And then I got our final quote, which hubby and I agreed was okay. My husband does not do anything online. Nothing. He's paranoid of online transactions, and though I've told him companies put his info. online anyway, he still won't have a thing to do with it. He also won't have someone dabbling in his checking account each month. So when she wanted payments to come directly out of our checking account, I told her we prefer the mail-in option. $60 more a month. You read that right, $60 more a month. LOL
What a hoot, and not an experience I look forward to repeating anytime soon. I have to admit, I was mildly annoyed w/all of the options, and majorly annoyed w/the $60 fee for processing paper.
Some things though, you can't change. And so we're paying the $60. Crazy? I think so. But I think it's crazier still that they charge that amount. I guess our company is very concerned w/the environment.
And the possibility that we might hit an animal. -_-