i got this in the mail today. it almost makes me want to change my auto insurance.

since i’m getting older and have more responsibilities and a wife and probably soon a kid or two, i bought life insurance through my farmer’s agent. actually, maybe he’s the responsible one, because it was his idea and i went along with it because buying a life policy would actually save me money overall with my two cars and apartment insurance that i’m already paying for. it worked out that i would save $200 a year if i bought a $200k policy, so what the hell right?

so on to the title of this post… to get a life insurance policy through farmers i had to get blood and urine tests. peeing in a cup is no problem but i *hate* needles in my arm and i hate giving blood. the nurse actually came out to my place to do it, so i was kickback watching csi: miami while she did it, but seeing my precious blood flow out of my body into plastic viles just doesn’t feel right. i know i’m a pussy and if i was actually a junkie, the displeasure would be worth the reward, but still. ugh.

so in the spirit of being responsible, and fueled by the bolder/longer fishing trips eric and i have been taking on the boat, we signed up for boatus towing insurance. these are the same clowns that charged us $300 for fuel the one time we ran out. (the insurance covers $500/incident) it not only covers towing the boat in the ocean, but also rivers and lakes in CA/AZ/NV, and also covers the boat trailer and the tow vehicle.

for my car, i’ve always had farmer’s insurance, because that’s what my mom had, and since it was also connected with her home’s insurance, and technically under her, it was cheap enough. i knew that since i moved out of my mom’s place that i was supposed to update it, but was worried that being by myself would cost a fortune and i didn’t want to go through the hassle of finding a new insurance company.

well since i got married, i realized i needed to stop being so sketchy and get things figured out. my insurance guy is super friendly, knows me by name, mails me birthday cards, yadayada, and i imagined that that kinda service was gonna cost me, but figured i’d try dealing with him first. i gave him all my info on the changes, and over the next couple of days he called asking me the most random questions for discounts he was trying to get me. one of the biggest hurdles was the fact that taka has no driving experience in california, and on esurance.com, just having the legal minimum for her on the integra was going to be like $1k a year, so i was preparing for the worst.

today he called me to scold me for not being done with college already (apparently he could’ve saved me another $100 a year if i had), to tell me that me on the ’03 accord with full coverage would be $1020/yr, taka with liability and uninsured motorist insurance on the integra would be $360 a year, and that with combining the discounts, i would actually save $4 a year to have $10k of renters insurance on my apartment which i had been meaning to buy. anyway, so in the end, that’s less than $1400/yr for insurance on both cars and $10k coverage on my apartment. thumbs up to farmers insurance, and my agent greg <3!