Staying Accident Free Pays Off

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.