Recently I read (or maybe I was told, or maybe I just imagined it), that you should shop around for auto and home insurance every six months to make sure you’re getting the best deal. We’ve had the same insurance coverage for over six years, not due to my fondness for the company, the coverage, or the price, but rather due to inertia (as well as a hearty dose of laziness and procrastination on my part). I just somehow can’t be bothered to shop around for insurance. But about six weeks ago I neglected to pay our insurance bill, realized it was a few days late, and just called our insurance agency in order to pay it over the phone. At that time, I asked the agent whether there was any way to save money on our policy. She said she’d check into it and call me back. I didn’t hear back from her. This sort of annoyed me whenever it would cross my mind (which truthfully was not very often), and I even dreamed about just finding a new company. But that old problem of laziness and procrastination overtook me so I did nothing. Today, out of the blue, I got a call from the insurance agent who apologized for not getting back to me sooner, but she said she knew that the insurance company we work with was going to be redoing its rates soon so she’d deliberately delayed re-calculating our policy until the new rates were published. Bottom line: she’s sending us a new policy which will offer us the exact same coverage we had before but for over $300 less a year.
And who said procrastination never pays?