In my constant search to pay as little for my insurance as possible (while remaining within the laws of the land and keeping my stuff safe), they told me about great discounts that I would get from being a member of PSAC. I dutifully checked with the insurer in question and received a very odd higher quote for my cars than my current insurer. However, overall, it was lower due to the cost of having my Daughter on my Auto Policy.
I wasn’t that impressed with the savings. However, I was considering changing until I remembered the words of my post, The Answer is Always No, Unless You Ask, so I decided to find out why on my current Auto Policy I was paying so darn much for my Daughter.
I called my current insurer and asked why my Daughter costs so much on my policy. The agent I spoke with was sympathetic, but then I remembered that Michael James had mentioned a while ago about Student Away at School discounts, so I said that my daughter goes to school a fair distance away. Voila, thanks to that, and my Daughter got her G license, I saved $290, not an insignificant pile of cabbage.
Am I happier? Absolutely. Do I feel stupid for not remembering what Michael James had written? Absolutely.
I have sent the proof of my Daughter’s enrollment (via e-mail, how nice and clean) and hope to see the discount show up on my policy very soon.
I had to change insurance companies to one that did not charge ridiculous rates for boys when my sons started to drive. Both boys receive a good student discount and I have used the student out of town feature for a good savings.
One of the best things the insurance people told me was to get the boys to move through the steps of the license and get to the G as soon as possible. They both received a small reduction when they secured their Gs and on the one year anniversary of the G.
Insurance is the biggest scam this world has known. Good for you for getting your rates lowered.
I saved a couple hundred by just letting my suto insurance company know I commute less to work.
AHA! This is proof that my years of blogging have helped at least one person one time 🙂
Indeed! You also told me face to face, which goes to show how much I listen to advice of any form.
My insurance company treats my away-at-university daughter just like anybody else I might occasionally lend my car to with no extra charges for insurance. But this may be a little different because she hasn’t lived at home at all since starting University, her work terms have also been away from home. She still comes to visit on holidays though :).
That’s a good option, although I am not sure if that gives them an out (i.e. how long was she living at home might be asked if you made a claim).
But, but, but surely your rates have dropped more than 15% since they changed the rules and capped the benefits you can receive if you’re left half dead at the side of the road? What?!? They stayed the same?
Good for you for finding a way to reduce your rates for real, as it appears waiting for a legislated reduction may be less than useful.
Indeed Edith Prickley isn’t likely to even get passed her first budget, let alone any new legislation.