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Outrunning the thieves

Wednesday, December 05, 2012

I was able to call my insurance agent in the US this afternoon to inquire about my 500% increase.

Nope, not a mistake.

The thieves...excuse me, insurance company...have declared that they must have a driver listed as the main driver of my car and since I am in France they have determined that my son is to be listed as the primary driver. And apparently the going rate for a 17 year old male is over $12,000 per year.

Ummmm...don't think so. I have no hard data yet to back up this hypothesis but I know plenty of people who have teenagers and are not paying that much for insurance. I didn't even pay that much for the car when I bought it!

So my agent is sending out for quotes and I am doing the same thing independently.

During my lunch time today I went to one of the sporting goods stores for the first time. They had a lot of variety in sports but when you got into specifics I wasn't too impressed. It was kind of like a Home Depot feeling, you go in and help yourself to what's on the shelves. No Clif Shot Bloks, which is a bummer since that is what I use on my long runs. I don't like gels and haven't had a great result with them but that is what I ended up getting today. It was gels or fruity granola type bars which I like even less. Trying to chew while running just does not sound like a good idea for me.

I also finally bought a head lamp and a reflective vest. I've been skipping my weekday runs because it's dark out when I get home (although there is enough light from the street lamps so I admit I'm just using the dark as an excuse). No more excuses now though. And I have a slightly higher confidence level that I won't be shot by a local hunter because he will - I hope - recognize that animals usually do not wear fluorescent yellow and run down a paved road.

Just in case the local hunters are not on board with that idea yet I've decided to relocate my running into the city where I can run on the bike trails. An added bonus is that I have a much higher chance of actually going out to run this way since I will have to bring my running clothes to work with me; I know that going home first tends to sap my will to go outside again. This way I can run right from the office door.

I went for my first run with the lamp and vest tonight and wound up doing the first 2 miles in under 20 minutes. I haven't run a 10 minute mile in a very long time so I am suitably impressed with myself. I even - for the first time ever! - passed another runner on the trail. He heard me coming and tried to speed up so I wouldn't catch up but he couldn't sustain it and I passed him by (it took awhile but I did it!).

I am so bad ass lol!
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Member Comments About This Blog Post
    Boo to insurance companies! or rather to the dumb people that make up insurance companies. It's funny how the faces that make these decisions get lost behind" the corporate veil"

    Cheers to the increased speed and endurance. Looks like you will be ready for World War Z!

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    2024 days ago
    I'm so glad you invested in some safety gear!!!

    AND are wearing it!

    Way to go!

    (And good luck on the insurance... there's GOT to be a better way!)
    2025 days ago
    We've been satisfied with Progressive for the last 7 years; good luck finding a sane insurance alternative.

    As for the running--you are such a star!

    2025 days ago
  • DOODIE59
    Brutal! I sure am curious to see how this turns out:)
    2025 days ago
    You rock!

    2025 days ago
  • FROSTY99
    You are making me very glad my sons are grown up. I cannot believe what they are charging you. When they turned 16, they had their own car, we insured it separately on their own policy and that meant our rates stayed low, and at that time, their rates were about $300 every 6 mo for full coverage! Once my son totaled his car, the rate jumped to double that so he had to trade his newer car with his brother's older vehicle and just carry liability so he could afford a car but we made it work. Good luck.
    2025 days ago
    Can you register the car as "not being driven," or will he be using it some of the time?
    2025 days ago
    This is unbelievable. Call State Farm.
    2025 days ago
    I love it! I live in Florida and it was 78 degrees here today and the mosquitos made a feast of my skin, so instead of walking my 1st mile I got up and jogged most of the way through it. I am waiitng for it to cool down some before I do my next mile and then everything else I need to do, I can do inside - cycling and ball workouts.

    This weather has GOT to give in and let December shine! It was colder than this in November, but this is really ridiculous!

    And please be safe running. I love to walk and jog in the woods as well, but in hunting season... you never know anymore!

    2025 days ago
    I'm not a shill for USAA, but if anyone in your family is or has ever been a member of the US Military or DOD, you're eligible for coverage through them, and I'll bet their rates are going to be far more reasonable.

    I've had my car insured through USAA for the entirety of my driving life, as has my husband, and we've had nothing but positive experiences!

    Good luck!

    2025 days ago
    oh boy oh boy
    does your son have driver's ed??? that should get you a discount if he had that for his license and since you are on the other side of the world the car is considered a need and the rates should reflect that..i myself use shelter but then there are many others out there also that are good hope you find someone who will work with you
    the lady mary
    2025 days ago
    Although I wanted to believe otherwise, I had a strong feeling it was not a mistake. Hope you resolve for best possible outcomes.
    2025 days ago
    Way to go!!!! I'm like that if I have to swim laps in a pool lane, competing with people who probably don't even notice me, and I speed up if someones on my toes, feels great if I finish first! :D
    2025 days ago
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