Tag: no deposit auto insurance

No Deposit auto insurance + Yesterday’s Accident

Yesterday’s car Accident

You won’t believe what happened yesterday! I was driving to the dog park when someone drove straight through a red light into the side of me. Thankfully I’d seen them coming so I manage to break just in time, meaning they hit the front wheel rather than me or Gerald (that’s my dachshund),  but I was furious!

I changed my insurance policy this year, and I hadn’t had to call them yet so I was worried enough about that, but then Gerald starting shaking so I had to call the vets as well. Luckily, my husband had looked around for a new policy and we’d found one that was very cheap car insurance no deposit. We took the money that usually would have gone on the deposit and put it in our emergency savings pot, meaning I knew we could at least afford a vet visit.

I think God was looking out for me yesterday though, because not only was the damage quite superficial, the lovely lady I spoke to was very understanding of how panicked I was and made a note that I could call her back later with full details so that I could call the vet instead. Not only that, but we managed to squeeze Gerald in that day due to a cancellation.

The best news though – Gerald is fine! The shaking was just the shock, but by the time we were at the vets it had all but stopped. My vet is an absolute delight, and Gerald quite likes them (unless he sees a needle!). So with that all out of the way, I headed home to manage the mess. The lovely lady I spoke to had given me her name, so I called back and asked for her and she made everything so much easier than it could otherwise have been. I was a little worried that because we’d changed so recently it might be more difficult than normal, but it was a breeze. She walked me through everything I’d need to provide to make a claim, explained the excess we have on the account (we went for a lower one with a higher monthly payment, which I am so glad we did now!), and told me to give her a call back if I needed anything.

I feel so blessed right now – what could have been a complete nightmare turned into just a mild inconvenience thanks to the kindness of others (and my husband’s forward planning). I don’t know what I’d have done if we’d paid a deposit – I can’t bear to think about not being able to get Gerald checked over, even though he was fine in the end.

Full Coverage Car Insurance – Did I make a mistake?

I thought, today, I would really depress myself by working out how much I’ve spent on car insurance. And then working out all of the other things I could have bought instead.

I can’t remember how much I’ve paid each year since I first started driving. And I haven’t kept note because I’m neither an insanely dull person who thinks it would be of any interest to people at parties. Nor am I suicidal and keeping a trick up my sleeve for the day I need just one final push over the edge.

So I just checked out the average annual price for cheap full coverage car insurance in New York and multiplied it. (Because describing that makes a much more interesting anecdote at parties. Kill me.)

Anyway, according to Google, $462 is the average price per year. And that means, my ten years behind the wheel has cost me my sanity, plus $4620.

In those ten years, I have made no claims. None. That means I have received nothing in return for that money. I have literally thrown away over four and a half thousand pounds. That sucks!

Do you know what I could have spent that money on?

For a start, I could have spent 4 and a half months travelling Southeast Asia!

I could have bought a car that actually runs properly.

It would have paid for half of the tuition fees for my entire degree.

My dog could own over 4620 pairs of frilly pink underwear. Or almost 500 Halloween costumes.

It would have paid for me to have 1320 confusing hair salon experiences in China.

Or have a semi-naked elderly Korean woman exfoliate my naked body in a public space over 300 times.

I could have done 23 skydives.

I could have bought roughly one and a half thousand Starbucks lattes.

Fed myself for over 6 years in Thailand.

All of those things. And I chose to give it to an insurance company for nothing. I should have just bought some very cheap car insurance no deposit. Maybe next time…