The Car Insurance Conundrum

Six months ago, after more than 30 years with Allstate, we switched insurance companies.  It seemed like our car insurance rates were going through the roof and we hardly drive anywhere (less than 10,000 miles a year) and we haven't had any accidents or tickets in years.  But up, up, up our car insurance rates continued to go.  So I called around and got a great rate from Progressive (about $200 less than what we were paying) so we switched.  A few days ago, however, I got our insurance renewal notice (we pay every six months for car insurance) and it had gone up about $110 for the next renewal!  Ugh

Turns out that there are several factors that impact insurance rates in our area including legislation about insurance limits, population, and the fact that there are a lot of drivers here who are flaming idiots.  Seriously, I could make a WTF montage out of my dash cam videos on a daily basis!

So I called one company today and the quote was higher than our renewal cost.  I will call a couple more companies tomorrow and compare prices.  After doing some quick math, it seems like we would be better off financially if we got rid of the cars and used Uber plus the occasional rental car for our transportation needs!