Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
The infamous car insurance crap...
I swear every time I get my 6 month premium it goes up, which causes me to re-evaluate switching companies, but I never do. Today I actually looked into different companies and realized I pretty much have to stay with our current company because I have a no-fault accident {'08}. However, for some reason when I get a quote from another company, the price sky rockets as soon as I add the accident, even though it's no fault. Gr!
So... my second attempt to lower insurance is to lower our coverage. I think one of the reasons our insurance is so insanely high is because we have the "best" coverage options...
My question is how do you determine what is good enough coverage? Right now we pay a lot but have very low deductibles for collision and glass... we have all the additional crap on there {additional supplementary coverage, etc}, car rental for up to 90 days, blah, blah, blah. We've had it this way forever.
I'd be 100% fine with lowering coverage, but I'm scared that as soon as I do something will happen which will totally just figure and be my luck. Am I being insanely ridiculous and silly?
Re: The infamous car insurance crap...
That's the thing with all insurances, you feel like you're spending too much until you actually NEED it. You should always get the highest coverage you can afford. If you can afford the highest coverage, stick with it. If you really can't afford it, lower it to the amount you can afford, but don't get the cheapest coverage just because it's the cheapest coverage.
Follow my book blog: Panda Reads
Follow me on Goodreads: my read shelf:
^^This
Insurance is so expensive. The best coverage and lowest deductibles cost the most up front, yet when something happens (knock on wood it doesn't) it's usually the cheapest out of pocket. This being said, if you can't afford it, lower it to the amount of coverage that you can afford. I know there are certain things with auto insurance depending upon the company that can either be removed that they charge for (like coverage for car rentals, etc.) or lowered (comprehensive coverage limits, or even upping the deductible. I would say call or go into the office to make the best decision for what you can afford with your coverage since somethings don't affect the premium as much as one would think.
Follow my book blog: Panda Reads
Follow me on Goodreads: my read shelf: