I had already reduced my health insurance-of course now I have a high deductible- by over half. Luckily my doctor accepts this new insurance. I am also lucky then other then a slow thyroid and diabetes which through my own stubbornness I was able to control mostly by diet-I tend to be healthy. I can usually take OTC meds for colds etc and they work!
Then on Tuesday morning as I was walking over to my car I saw I had a flat! Luckily the superintendent was able to use an air compressor to fill that tire so I could drive to a gas station near by. Turns out I picked up a nail somewhere—the gas station attendant was able to plug it!! I cancelled my client that I was supposed to be at Tuesday for Wednesday. I came home and a light bulb went off in my head. My car insurance which I pay for in 4 payments was coming due this month!!
I picked up the phone and called my car insurance company-GEICO. I explained that I would really like to lower my rates-drastically. After I finally convinced the automated voice that I really wanted a human I was connected quickly to one of the most helpful gentleman. I asked if it would help if I dropped collision—I have a 2003 car which is all banged up! He had me go to look up what I would get for a trade in—not much I’m afraid. Then after he was sure that this really was in my best interest he began to walk me through the on line process—I got a wee bit confused—so he took over. After that was completed he asked if I would like to speak to their underwriting dept to see if I could get even more of a reduction. So obviously I said yes, and was transferred to another really nice and helpful gentleman. It seems that it was still on my policy that I drove approx 13,000 miles a year. Now that I do not drive to NJ 3 times a week—no way—we changed it to 5,000 miles a year. MORE SAVINGS!! I went from $900 a year to 500 a year!! That equates to over 100.00 each payment!! Both these gentlemen informed me that if I took the defensive driving course offered by Geico on line that I could save an additional 37.00 a year. I will definitely be looking into this.
As I was paying this much reduced payment online I noticed that they have homeowners insurance and it may be possible to get extra discounts—once I find my homeowners policy—I will be giving Geico another call!!
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