I just got off the phone with my insurance company. The car has arrived in Seattle and I need to go and collect it, so I wanted to update my insurance to reflect my new address.
I called and told the rep I moved. She took all of my pertinent information. Then she put me on hold. One minute she said.
After about 7 minutes she came back online and said it was going to be just another minute or two. I started to get nervous. I decided to do a NetQuote search to see what other options might be available.
Finally the agent came back online and told me she had just cancelled my Hawaii policy, and now we needed to set up my Washington State policy. She started asking questions:
- Will I drive the car from home to work every day? ~No, I don’t have a job.
- Will I be sharing the car with another driver? ~Yes, Amoeba.
- If the car is to be primarily for personal use, would 12,000 miles per year be a reasonable estimate? ~For this island? Let’s make it 10.
Then she asked if I wanted coverage comparable to what I had in Hawaii. Of course I said yes — and she told me it wasn’t available. Washington doesn’t allow for limits that low. In every case my Washington payouts well be at least $5000 more. Plus, where Hawaii guarantees me rental car reimbursement of up to $30.00 per day, Washington State offers $50.
All these dollar signs are flitting through my head. I am a nervous wreck waiting for my agent to give me the bottom line and NetQuote to spit out something reasonable. She put me on hold again.
Finally, after an eternity passed, she came back with my bottom line — a third more coverage for half the price. I kid you not.
So, our bottom line — twice as much house for half the rent. A third more insurance for half the price. Have I mentioned that I like it here? And there’s still the chance that NetQuote will come back with an even better answer.