Yesterday after work, I jetted over to Mercury Insurance Company and signed up for car and homeowner’s insurance with them. I then called State Farm to cancel both policies with them. The lady who answered the phone sounded surprised and maybe even a little hurt that I’m killing a 14 year relationship with State Farm. And call me lame, but I feel bad. However, my previous State Farm agent, whom I really, really liked and who had helped me out a lot in the past, had retired, I got transferred to a new agent who left State Farm within a matter of weeks with him, and my polices have been in limbo ever since. The State Farm girl I’d been talking to about transferring to their office was really nice and helpful, but it’s been a couple of weeks since I’d last spoken to her about transferring my policies to that office from its present limbo state, I haven’t heard back from her, and now I’m afraid my car’s uninsured since the new car was never recorded. I need to drop the old car off my insurance too, since it’s no longer in my possession.

I’d emailed the lady at Mercury who gave me the car quote ($400/yr less than State Farm’s quote!) to see if she’s available to meet with me after work yesterday, and she emailed back within minutes with directions to their office. When I walked into their very large offices, the lobby had a whiteboard on an easel before the front desk that said “Mercury Insurance Companies welcomes CINDY [my last name]”. Awww! I felt all special. And after my numbers were tightened and input in the computer, my car policy, which is as amped up as they can offer with the maximum coverage possible on everything, ended up being $600/year less than State Farm’s estimate on my new car! I’m pretty happy with my decision. The auto insurance was so great that I also amped up my homeowner’s insurance too, wrote a full check for both policies, and was off.

I hope to never have to use either policy. Insurance is such a waste of money. We pay hundreds and hundreds for something we hope to never need.