Layout:
Home > Switched Insurance and Cell Phone question

Switched Insurance and Cell Phone question

March 4th, 2011 at 05:45 pm

I switched my Car Insurance, I saved $20 per 6 month period. It will go up by $50 for the next 6 month period, but not really.

See it would go up, but I also get a annual discount on my house insurance of $68. In addition I also will get a auto policy refund at the end of the first year of auto coverage and each year after that for 10% I think.

My old provider never gave me a discount when I dropped my BAD DRIVER ex-husband off my policy and dropped off two vehicles. I believe somewhere in there database they were punishing me for my Husbands past driving history.

My old provider also does not do a deployment discount policy where as this new provider does, see my car will be parked in my garage during my deployment at most my BF MIGHT drive my car around the cul-de-sac once a month or so but for the most part it is going to sit. They have a cheaper policy for that and so I will get the cheaper policy while I am gone.

Once I get back from my deployment I think I will contact my old company for a NEW quote and see where I sit because I am 99.9% certain that my Ex-Husbands DUI's are in there system somewhere and even though he is off the policy it is still bringing my premium up.

***
Okay Cell Phone question.
I text, I might text like 100 texts a month. I like a full keyboard for this, not a smart phone mind you but a full keyboard.
I talk on the phone, I might talk about 200 minutes a month.
I would LOVE internet but I dont have it or a smart phone.

I am thinking about getting a pre-paid phone, The phone would cost $99 and then each month the minutes would cost $30. It would include 1000 minutes, 1000 text or 1000 converted internet time OR for $45 I could get unlimited (The unlimited is still cheaper than my current plan).
I am currently paying $69 a month for a $49.99 plan plus $7.99 for a text package the rest is ALL fees.

I guess the reason I have not made the jump YET is because if I keep the provider I have now (not pre-paid) I can FREEZE my number while I am deployed and then when I get back I still have my number. Also I do not have a contract, so when I get home from my deployment I could add a line and only actually have one contract for a two line plan. I will need two phones when I get home so my son can have a phone or I will NEED to purchase a landline for when he is home alone. The cell phone would be cheaper. The cell phone add on plans are normally $9.99 or $19.99 so I am thinking it would be cheaper to add a second phone line to the post-paid phone then to pay for two pre-paid phones BUT I do not know for sure because I currently have Alltel and am waiting for AT&T to come to the area (was suppose to happen Dec 2010), so as of now I dont know what kind of plans they will offer in this area.

What would you do? How big of a deal is it to switch phone numbers with all your business contacts? I am getting tired of waiting on the AT&T merger. If I buy the new Pre-Paid phone today I would after applying the monthly savings to the cost of the phone save $90 between now and the deployment. If I had done it in December when I first thought of it I would have saved $180. $30 a month in extra cell phone cost just is hard to swallow.

3 Responses to “Switched Insurance and Cell Phone question”

  1. Joanne Says:
    1299271558

    Hi, Little Ms., In choosing a cell phone, prepaid vs. contract. I know that when my son goes on deployment, he is able to put his cell phone plan "on hold". He uses Sprint, & he has a contract. I think that this has beeen fine for him. I have a prepaid phone, & I like it. The only thing is, sometimes the minutes have to be used in a certain time period. This might be affected by your deployment, if you couldn't use the phone, perhaps. Another topic, why would your boyfriend be driving your car , while u are deployed? Even, if driven on a cul de sac, where I live, the car would need to insured. I understand that you prob., want yr. car started while u are gone. I don't think I'd leave my car keys w/ him for a year. Can u ask someone else? Not to be critical, but I hope that you don't let him stay in yr. house while u deploy. sorry if sounds harsh. Esp., if he has not given u rent money so far. I still think that you need more time on your own, to decide what you want to do. Good luck.

  2. Jerry Says:
    1299274975

    I think that is ridiculous that your old insurance company would punish you for someone else's driving that is not longer on your policy... but they are in the business of selling insurance and making a profit, usually, and won't look out for the customer in many cases. Glad that you switched!
    Jerry

  3. LittleMsMom Says:
    1299614508

    Joanne:
    My BF or anyone else I leave the keys with would not be Driving my car in a "use the car" way, He would be driving it around my cul-de-sac or in and out of the garage and up and down the driveway so the car is not just siting there for a year which is bad for a car.

    The Car would be insured BUT it would be insured at a reduced rate because the car would only likely be driven 6 to 12 miles total for 11 months and maybe 50 miles the 2 weeks I am on R&R, it is sort of like a motorcycle policy if you are familiar with those.

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
*
Will not be published.
   

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]