… by doing nothing. This is actually a multi-part story, going back a couple of months:
One of my “benefits” at work is discounted car insurance, the provider of which sends out mailings every six months or so urging you to get a quote and save money. The first two times, their website crashed on me. The last time, I actually called, gave them the particulars for a quote, and found it to be several hundred dollars higher that what I was paying at State Farm. Their home insurance actually was a better deal, until you figured in the combination discount I was already getting. So no sale.
Yesterday, I got two exciting pieces of mail from State Farm. The first was a $20 dividend, essentially a refund of my premium since they had a good year. The second was my car insurance bill for the next six months, which has dropped by over $100! More reason to keep driving an old car, and to stick with my existing, traditional insurer.
One final note: the reason I started out with State Farm to begin with was that their quote seven years ago was much more reasonable than any of the TV-hyped, web-based discount providers. Go figure.
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