Insurance

     Insurance can be so expensive these days. When you go and buy a new car or even a used one, the insurance is either the same amount or is more then your vehicle payment. If you forget a payment you can possibly be dropped for the company and then you have to go through the whole process of finding another insurance carrier. Once you find that insurance carrier then you have to put a portion of money down to start the insurance. Why does it have to be so hard and expensive? Now I also get the joy of adding my teenage daughter next year when she gets her license. This will cause my insurance to go up dramatically and make me want to pull my hair out. Insurance just dosen't go on your cars, it goes on houses, motor cycles, and about every other thing that we own. I know we need insurance on all these extras for incase of house fires, floods, tornados, or in case another person is opperating your motor vehicle and gets in an accident so that you are covered as well as they are. When did it become so difficult? Oh, I remember, when we decided to build motorized things. Why couldn't we just have stuck with the horse and buggy like Little House on the Praire? I know we would be could in the winter because of no heat and hot in the summer because of no air conditioning but it would have been easier.

     What made me go off on this little insurance thing? Well all of these insurance ads that are out there that we see on T.V., billboards, magazines, and we hear on the radio. They all promise to save you more money then the other guy. Is that completely true? How are they able to save me or anyone else more money than the company that I or they are with now? It just can be so confusing sometimes.

     Some of these companies have come up with new ways to save you money as well as for you to get money back. Are these ways truly true or worth the switch? A few of the ads that have caught my eye are the Geico, Progressive, Allstate, State Farm, and many others.

 

          For instance Progressive has this snapshot device that you plug into your vehicle and if you don't speed and following all the rules you will have a low insurance rate. What happens though if you do speed or whatever? Does your rate go up or do they drop you? Plus that gives them too much information on you. Can they use that to spy on you or something? I am just saying. Then you have state farm who says you can save money when you sign up with them, but how do they determine that. They also say they are fast on claims. Well I haven't seen a fast insurance company with claims yet. Then Geico I really don't understand. You can do your insurance online and print off a copy of insurance from them but how do you know what to exactly get. What if you thought you had coverage for hitting a deer and you didn't because you forgot or didn't know what you were truly doing. I think Geico is just good for the commercials. They have went from the lizard, to a pig, and now to two guys singing why people are happy that they switiched to them. Finally that leaves Allstate. Allstate has the ads that show Mayhem causing all sorts of problems. It is funny but if that stuff really happened and if you didn't have insurance you would be out of luck. They also will give you money back for being a good driver.  

 



     So when it comes to insurance of any kind make sure you know what you are exactly getting. Basically any insurance is going to cost alot, so if you want to switch, make sure it is for the right reasons. By the way I liked all these ads except for the Geico ones. Sometimes they can be really stupid.