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Today was my mother’s birthday - she turned the ripe old age of 70. Now, don’t let her know that I told you that, but I can only tell the truth.
Anyway, since she is getting a little older, she has decided to try to keep her expenses to a minimum. She is on a fixed income and every penny saved helps her out immensely. She is definitely the most frugal person that I know.
But I thought that instead of getting her a silly gift, I would be able to help her out with something that she would normally not do - get her a better deal on her car insurance.
You see, she has been with the same auto insurance provider for over twenty years, and I was sure that she was probably paying too much for her insurance. So, I went online to get auto insurance quotes to find her the best deal.
After I told her what I have done, we will be going to get her some new insurance coverage on Monday - she told me that I gave her the most thoughtful gift ever.
For the past five years, I have had a medical insurance policy through my employer and I’ve never really taken advantage of it. While it covers everything from medical bills, visits to the dentist, and prescription eyewear, these past five years have been the healthiest of my life.
It wasn’t until recently that I realized the wisdom in having some sort of health insurance coverage in place. It all started with me needing all four of my wisdom teeth surgically removed from my mouth because they were infected. If it had been just a simple tooth that needed to be removed, it would have been inexpensive. But since I needed surgery to remove the teeth I was looking at a few thousand dollars for the procedure. Amazingly enough, the whole procedure was covered under the health insurance that I had from work and truth be told I think I had to chip in $20.
I tallied up all the money that contributed to our health plan and it turned out that I had contributed less than the cost of the dental surgery. It was at that point that I finally realized the wisdom of having medical insurance.
While I was running down town to go and get a condo insurance quote, I was in a slight car accident. No one was hurt, with the exception of Betsy, my car. The accident had been completely my fault, so my pride may have been hurt just a little bit as well. I had never been in an accident before. I was so frustrated. The guy that I hit was thankfully very nice and understanding.
What was so frustrating is that I should have taken this trip down town about a month ago to get an auto insurance quote. I did have insurance, but the coverage was not great and I knew that I had taken it for granted that it was all taken care of. I would certainly know better the next time around.
I decided that I certainly could not put off going to get the home insurance quote. The accident just goes to prove that you never know what is going to happen and that my pipes could burst or my basement could flood at any time. I made sure that I had absolutely all of the coverage I would need and left being at least satisfied about that.