Keep Your Friends Close and Insurance Company Closer

Shame on me. Seriously. This week, Josh and I finally decided to buy a new car. We’re overdue. We need something safer and with all-wheel-drive, so we settled on a Subaru. And when you buy a new car, you need to also buy auto insurance. I was not looking forward to that phone call, though I happily considered the ways in which I could drop my current carrier. Because when I looked at previous years’ statements, our payments kept inching up every six months. I meant to look into it every time I watched the rate hike and find out why, but I didn’t, and this cost us. This month, after the rate increased again for our aging car, we were paying over $140 per month to insure our old, crappy car. Neither Josh nor I have had any tickets or accidents, so when you lump in a car whose worth is in a steady decline, logically, it would seem that our payments would go down. Nope.

Well, a couple of days ago, I called and when I mentioned I was shopping around for rates, they told me, “We’d hate to lose you after 13 years.” And I thought, holy crap, we’ve been loyal customers for 13 years and they’re screwing us? The representative offered me not only more coverage for both the new car and the old, but also for $50 less than what we’ve been paying for just one, old hatchback. So it got me thinking, am I just being scammed? Is auto insurance just one more way I’m slowly being ripped off? Do I now need to pay attention to my rates going up as Josh and I become more attractive drivers in their eyes and my cars age? I thought our payments were supposed to go down.

It reminds me of when we had cable. Every year or two, I had to make a phone call to the cable company and threaten to leave in order to get them to continue the deal we had before they jacked up my rates. I hated playing this game, which is why we eventually cut the cord. I feel like these companies are less concerned with customer satisfaction and instead count on their customers being too busy to comb through each bank and credit card statement every month even when they start feeling they’re getting ripped off. Most people have other, more pressing daily tasks that require their attention—working, walking the dog, helping a kid with their homework, making breakfast—and companies know that. So now I have to pay attention to my auto insurance. And by the way, we’re sticking with our auto insurance company despite the fact we now need to attend to our payments. You win, Geico, but I’m keeping my eye on you.

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