Forgive me, but I need to vent about my car insurance for a moment. I just got through paying $183 for it last week. Next month I have to turn around and do it again, which royally sucks given how much money is left in my checking account. I have to pay that amount four times a year, and I have no idea if that's a good rate or a bad one.
Right now I have Georgia Farm Bureau. When I was in college, I had Progressive because, believe it or not, they were the only ones willing to insure a college student with divorced parents, one of whom was paying the car payments and the other of whom was paying the insurance. Surely I wasn't the only college student in that situation, but all the insurance companies we spoke to acted like that was a novel concept. Progressive agreed to insure me but at a whopping $1000 premium several times a year.
Once my father paid off the car and transferred the title to me (that took me pitching a fit a year after the car was paid off because he still had upheld his end of the agreement with my mom), my mom and I went to the local Farm Bureau office to get insurance. We never even checked the insurance rates at other places. We just went there because that was where she and my grandparents had always had their car and homeowners' insurance.
The rate is obviously far better than the one I had with Progressive, but I still wonder if its the best one I can get. I have half a mind to visit a rate comparison site like Cheapcarinsurancez.com and enter my information just to see if I can get a better deal elsewhere. Even if the prices are about the same, I think, from what I've been told by others anyway, that some companies allow you to do monthly billing. Some days I think that might be better. On others, I'm kind of glad I get to make the two payments and then forget about payments and having my license automatically canceled for being late or missing a payment for six months.
If any of you have an old Camaro, do you know if this rate is the norm? I had an insurance company tell me once that Camaros are one of the most expensive vehicles to insure, but seriously, mine is 14 years old. The paint is peeling off in sheets. The seats are stained. The trunk doesn't work, and it only has a V6 engine. In other words, while it is technically a sports car, it is not all that sporty. Are there better full coverage rates out there, or am I already getting the best?
Every time I think about it, I miss my ancient Sentra. I bet it wouldn't cost me a third of what I'm paying now to insure it, assuming I could even get it out of the driveway.
Thanks to my friends at Cheapcarinsurancez.com for supporting this post.
