Insurance For The Future
Oct. 17th, 2007 02:12 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
fjOne day, ![[livejournal.com profile]](https://www.dreamwidth.org/img/external/lj-userinfo.gif)
pinkfish was on some local gay irc channel, just as mouse-season in our apartment was peaking and we had just returned two cats, after having had them for two weeks, to the original owner who had had a hard time parting from them, when someone wrote "I hope I find a good home for my cats before Friday before they have to go to the shelter." This is how we got Twinkie and Piruli from pretty much a random stranger.
My car insurance is coming up. Fortunately I have time now to be online all day entering data about myself into web-forms, and calling my condo-insurance agent. The price-differences these businesses are quoting me are astounding for pretty much the same package, and they do not show you how their premiums are built up at all, making it very hard to make trade-offs. I used to, for example, not have medical coverage since I had very good medical insurance anyway through work. Now that will be over on Nov 26th, I have to wonder whether I want some coverage there in case of... I dunno, am I really not going to get COBRA? Or not have a job? Oh god. Is this why I can't get to sleep at night until 2 AM? Fortunately I don't have to be up early anyway, so I keep turning over in the dark and then shutting off my alarm at 1.30. Anyway, but what if I want medical expenses covered through the car people, how much a difference will that make in premiums? You just get a big number at the end and that is it. Big number.
I had a chat room on gay.com open in the background where people started saying what they were doing. I mentioned I was trying to save on car insurance, and so far a bare-bones Geico was the winner. You can see where this is going: I got an IM with a recommendation. Wawanesa Insurance, a bunch of Candians now offering in California. My contacts says they were good with claims too. I go to their form, enter stuff, get a quote and think, 600 bucks more than my lowest quote on Geico.
Then I realize the quote is per year. All the other quotes were for every 6 months. (Yes, I need to pay around $1200,- for insurance every 6 months here.) I can't purhase over the phone or web, I have to print out this form, but the form shows the structure of their premiums. I can make informed choices now? Huh? Is this a brave new world? And then just mail it off with the first check? OMG, you mean this will actually work?
pinkfish was on some local gay irc channel, just as mouse-season in our apartment was peaking and we had just returned two cats, after having had them for two weeks, to the original owner who had had a hard time parting from them, when someone wrote "I hope I find a good home for my cats before Friday before they have to go to the shelter." This is how we got Twinkie and Piruli from pretty much a random stranger.My car insurance is coming up. Fortunately I have time now to be online all day entering data about myself into web-forms, and calling my condo-insurance agent. The price-differences these businesses are quoting me are astounding for pretty much the same package, and they do not show you how their premiums are built up at all, making it very hard to make trade-offs. I used to, for example, not have medical coverage since I had very good medical insurance anyway through work. Now that will be over on Nov 26th, I have to wonder whether I want some coverage there in case of... I dunno, am I really not going to get COBRA? Or not have a job? Oh god. Is this why I can't get to sleep at night until 2 AM? Fortunately I don't have to be up early anyway, so I keep turning over in the dark and then shutting off my alarm at 1.30. Anyway, but what if I want medical expenses covered through the car people, how much a difference will that make in premiums? You just get a big number at the end and that is it. Big number.
I had a chat room on gay.com open in the background where people started saying what they were doing. I mentioned I was trying to save on car insurance, and so far a bare-bones Geico was the winner. You can see where this is going: I got an IM with a recommendation. Wawanesa Insurance, a bunch of Candians now offering in California. My contacts says they were good with claims too. I go to their form, enter stuff, get a quote and think, 600 bucks more than my lowest quote on Geico.
Then I realize the quote is per year. All the other quotes were for every 6 months. (Yes, I need to pay around $1200,- for insurance every 6 months here.) I can't purhase over the phone or web, I have to print out this form, but the form shows the structure of their premiums. I can make informed choices now? Huh? Is this a brave new world? And then just mail it off with the first check? OMG, you mean this will actually work?
no subject
Date: 2007-10-17 10:31 pm (UTC)