A note from the Central Scrutinizer

This is normally the time of year when I break out the auto-insurance bill and see what’s gone up (and, occasionally, what’s gone down). And I was sweating it, because I had a minor-ish fender-bender at the beginning of last weekend, and guess when they prepare the renewal policy?

The worst, apparently, is yet to come. Premium increase this time around is a relatively trivial $13, distributed thusly:

  • Liability (injury): up $5.70.
  • Liability (property): up $10.30.
  • Uninsured motorists: up $5.40.
  • Comprehensive: down $4.50.
  • Collision: down $7.50.
  • Road service: no change.
  • Rental reimbursement: up $3.60.

Aggregate discounts were up by 40 cents. The new wrinkle is that I have now, I am told, qualified for “accident forgiveness,” which means, I suspect, that while I can expect to lose my 5-year good-driver discount next time around ($70ish), I won’t be slapped with some ginormous surcharge.







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