Our auto insurance through Allstate renews every six months. They send out a new policy with insurance cards and let us know how much it will cost.
Like everything else it usually goes up.
So I was very pleasantly surprised when I saw it going down, by about $25 per month. Upon further inspection, I saw that everything stayed the same on the coverage, but that we had moved from Premier to Premier Plus status.
I contacted my agent and she confirmed that we got this status after having not filed a claim for five years.
That’s pretty cool. Of course, on the flip side, if you figure that for the last five years they’d been getting an ‘extra’ $25 per month, they made back $1,500 out of whatever claim it was I had last filed.
But, I digress.
I also saw that they have a new program where if you pay up front, we qualified for an extra $10 per month discount. So, I decided to do this.
Saving an extra $35 per month is pretty nice. Right now, I’m still allocating the monthly amount toward our insurance ‘sinking fund’ as before just because I don’t want to rely on getting this discount, only have the cost come back should we ever need to file a claim.
Now, the trick is to stay accident free.