So much to do…
Everywhere I look around the house there’s something to do. It’s crazy.
The last week it’s been pretty cold out, and I’ve not been spending much time on the cabinet doors. Mostly weekends. Week nights have been spent working on things around the inside of the house. Specifically, I’ve been working on trying to clean things up in the office and consolidate some of our expenses. For example: I’ve been getting insurance quotes like there’s not going to be a tomorrow.
I think I’ve found the agent we’ll be going with. The service was outstanding, the rates are good, and the underwriting company has a solid track record. I’ll be happy to pay them my money in exchange for insurance coverage. Here’s the great part about getting married.
I can guarantee you that I’m no better or worse a driver than I was a month ago. Nothing has changed. But now my auto insurance bill for a year, including my wife and her vehicle (the total bill, two named insured, two vehicles) is going to be less than the cost of a year of coverage for just myself and my car was a month ago.
Yeah, that’s right. I’m doubling the amount of coverage we need, and I’m paying _less_ than I did year-to-year. What a crock. I’ve been getting screwed on my rates for the last seven years.
It’s even better. The home insurance is going to be nearly half what it was last year, for the same coverages. Score! All told, I’ll be spending several hundred dollars less a year on all our insurance than I ever did as a single person. This is disgusting. Something is seriously wrong about this. I was a responsible individual. I fail to understand why I am suddenly a lower risk. Oh wait, because there’s a ton of IDIOT MORONS out there that ruin it for the rest of us. Way to go, stupid bone-head jock retards. While you’re out wrecking your ‘hot car’ and having your retard friend jump off the roof of your house to make a stupid video for YouTube, some of us are working our tails off trying to earn a respectable living.
There should be an insurance company specifically geared to professional singles so they don’t get lumped in with the rest of the retards of the world. You know, the 21 year old that carries minimum coverage and says, “do you want fries with that?” for a living. I think there’s a lot of money to be made in that market. Just make them overpay less, and they’ll flock to you.
My curse is that I worked for an automotive insurance company and wrote software to submit policies to their rating and policy issuance services. Not only do I know that I was getting ripped off, but I knew how badly and why. And the why didn’t apply to me personally, but on paper I was a demographic nightmare.
Ever notice how they never ask for your employment record when you apply for insurance? They don’t want you to prove that you’re financially stable and responsible in any way. They assume for the sake of rating that every person is a worst case scenario, and then go from there. Even if you have behavior patterns or other proven habits that lower risk, they don’t want to know about them. Gah!
So anyway, I cleaned up most of the office mess, and then ended up playing Civilization 3 last night when Kylene tanked out early. The mess is coming along.