Life With Frenchie

Over the past 6 months, we have turned in our old cars and both purchased and leased a new vehicle. My old car was over 7 years old and I had standard insurance coverage on it. With it being an older car, my rates were relatively low, I guess, and I hadn’t really changed my coverage except to meet state minimums whenever I moved. Once we traded it in for the new SUV, there were other things to consider that I never really thought about 7 years ago when I had made my last car purchase.

For one, I hadn’t really given much thought to what would happen if there were a total loss of the car. Now, since I am more fiscally responsible, I gave that serious thought. What would I be left paying, after insurance, if my car were totaled? I found out that one option was to purchase Gap Coverage, which would cover the difference in the purchase price and the depreciated value of my car. Still, I am cautious about buying any “extras” from the dealer and much preferred the option of purchasing my coverage elsewhere. You know my penchant for being “lazy” and doing as much business online as possible, so of course I searched for insurance quotes online to help make my quote shopping easier to fit into my schedule.

When it came time to insure the second car purchased this year, the problem was that we weren’t happy with the rates we were currently paying. My boyfriend had been with his insurance company for a few years and was certain that he wouldn’t be able to get better rates. I asked if he had checked around before he purchased that policy, but you know guys — they’ll never admit they’re wrong. I tried to convince him that he probably could do much better if he just got some quotes. He didn’t believe me, so finally I showed him that he could get better car insurance rates just by filling out a quick online form and getting quotes from multiple carriers. At least he believed the Internet, even if he didn’t believe me! One of these days, he’ll learn.

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