Day 2: Not so good!

This year has already demonstrated it will be very, very defiant and be very mean because it can. It's already flexing its muscles, and boy, can it kick. The 1st was very tough and the 2nd's just moving right along with the plan. But no worries, I'll let it rage until it tires itself out. Hopefully soon!

Anyway, onto some insurance stuff.

5 or so months ago, I mentioned I went into the Progressive Snapshot program. For those of you unfamiliar with it, Progressive (car insurance) offers a discount based on your driving habits. You plug in this device in your car and it tracks certain things. In my mind, I was thinking, "you know, my parents got an 18% (out of 30% possible) discount on this particular car, under my driving (plus theirs). They look at 3 things: times the car is driven, hard stops and average miles. Considering my parents were driving the car at absurd hours of the night on a daily basis, for at least 150mi/day average and clocking in over 20 hard stops per 5mi drive, I can do a lot better!"

And so I did. I finished with 21mi daily average, 11 hard stop per week average and only 17hrs of risk-time driving total. My parents got an 18% on that particular car with a lot worse stats. What did I get? 4%. I was ticked off. I know I should be like, "free money!", but yeah. No. I wanted an explanation.

Long story short, the first rep was condescending, since I already have pretty much bare-bone coverage. Then transferred me to one who was not very helpful, but pretty much told me that because my rate is so low already (one driver, one car, close to minimum coverage), I get a lousy discount.

Never mind I'm a decent driver; they can only discount the rates by so much. Ok. Fair enough. I wish they would've told me 6 months ago, so I wouldn't stress and get upset at the hard stops I made by mistake (like 3 mornings ago), or trying to hoard the car away from my parents so they wouldn't put unnecessary miles.

4%, I'll take it, I guess. It comes down to a $8 reduction off my 6-month policy. Not content, but I'll take it. I wouldn't have stressed out about it, though. I probably would've skipped it altogether. I'm very ticked off, and if it wasn't because all extra money I get this year is going into savings, I'd go buy myself a $8 dessert to make up for it. Progressive, you suck.