How do you choose your car insurance?
My reasons are about as emotional as the reasons I gave for choosing my dentist in the former post. My decisions are based on my life experience and conditioning rather than any sound logical well thought out reasoning or price consideration. That may not be the best reasons to make my decision and yet I am totally comfortable with my car insurance cover because, above everything else, I trust that the insurer will be there if I ever need to make a claim and I am sure my claim would be service efficiently and paid on time.
You never forget some experiences and I recall my mum having a car accident and then not being able to get any funds out of her insurance company for the repairs, this issue dragged on for almost two years until finally the company simply went out of business and I think mum got back $1. for every $10. She was owed, or some such figure.
Latter I had household insurance obtained by using an insurance broker to obtain the best quote. They also folded, now I just go to the one well known company I trust, no messing about, I ask for the best deal I can get from them and offer them all my insurance business if I get a good price. Well that’s probably breaking another commonsense rule and putting ‘all my eggs in one basket’, something my mum said, ‘never to do’, but it was my mum, not me who got into trouble over car insurance issues.
Today I own a car and caravan combination that’s worth more than my little country retreat and they are also more important to me and would be harder to replace, so keeping them fully insured is important to me. As Reg and I age there may be age concessions available that I’m not aware of now, seniors discounts and such and when I get home I also want to set up automatic bank deductions for all essential expenses like car insurance, so we will not need to remember to be paying bills while we are travelling nor risking payments falling into arrears. Right now I am relying on a very busy daughter having the time to remember to inform us of payments to be made or to make them for us and we work it out in a private manner. If I suddenly ‘go off line’, it might mean she got busy and didn’t get to pay big pond, whoops...this isn’t a very efficient way to work and I’ll not repeat it, it’s also not respectful to my daughter who has her own extensive commitments to think about, not ours.
I’ve found a couple of web links to give me a start to begin looking at some of the questions I perhaps should have been asking decades ago, before I simply, ‘just signed on the dotted line’. Next time I travel, I plan to be far more efficient and organized concerning all matters of home, caravan and car insurance.
Yes it is time, with only a month until we are home, to begin making all those plans of what to do, while we are home. You have no idea, how fast the six months at home base flies and how important I find, having a check list of things I must complete during that time, is.
Today, I’m sitting relaxing in the caravan, recovering from my dose of the flu, putting this rest time to good use, making a ‘to do list’, for when I get home. This blog will be a great place for me to come back and review my action plans, when I get back to home base, a month from now.
How do you choose your auto insurance?
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