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Saving $$$ on my car insurance!

November 4th, 2016 at 07:22 am

As mentioned here earlier, when my auto insurance renewed last month, I signed up for "Right Track," a special program Safeco (Liberty Mutual) offers where you install a little gadget on your car and it tracks your driving habits for 3 months. You're guaranteed to earn a 5% discount just for participating in the program, and you can earn up to a maximum 30% discount off your "base coverage."

That potential discount is for as long as you keep the policy, not just for the year, and not just for a single vehicle, so you could get a new car and still benefit from the program, all of which I think is very generous. It does NOT track where you're going, so there should be no privacy concerns.

I've only just started the 3-month program, but I checked online and it indicates that, so far, I've earned a 22% discount! The online program updates its data every 100 miles driven, so provided I continue to avoid any hard braking or fast accelerating (rep defined that as speeding up more than 7 miles an hour per second) and avoid driving between midnight and 4 a.m. and overall don't drive a lot of miles, as that is also a factor, I should see a pretty hefty discount.

I renewed the policy for $810 and I don't see any "enhancements" to the policy (like towing), so 30% of $810 would be $243, bringing the policy premium down to $567. That would be wonderful, especially since I just increased coverage on the car upon the advice of my agent (and decreased it on the homeowners coverage)
Also, this is a great time to do this program since I'm not commuting anywhere.

So, umm, I think when I pick up dad for dinner and bring him to eye doc next week if he doesn't mind, I'll ask if I could drive his truck. It'll help keep my mileage down. I don't think he'll mind.

In other news...
Stopped in at Aldi's yesterday after not having been there for several years. I was happy to learn they now accept credit cards! I carefully cruised the store. I'm pretty particular about what I buy and I favor non-processed vegan foods, preferably organic. There was a lot I had to pass by but i did fine good prices for old-fashioned oats, organic preserves, some organic soup and organic canned beans as well as bananas. The organic arugula also i think was a good buy. I will return.

6 Responses to “Saving $$$ on my car insurance!”

  1. klarose Says:

    I have Safeco insurance! I might have to look into that. I'm a pretty slow and safe driver, so I bet I would benefit from the discount.

  2. PatientSaver Says:

    Yes, I think it definitely worth it. Nothing to lose.

  3. LivingAlmostLarge Says:

    I should look into that.

  4. FrugalTexan75 Says:

    Did you get the almond milk?

  5. PatientSaver Says:

    FrugalTexan, they did have soy milk and regular milk of course but no almond milk!

  6. FrugalTexan75 Says:

    Oh man, that stinks!

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