Taking a Rest From Thinking

I’ve been procrastinating about writing anything today, hoping for inspiration, but deep thoughts or any thoughts, actually, seem to be absent. I suppose that’s a good thing — it means I’m not obsessing over anything.

At least not today. I have been overthinking my insurance, trying to figure out if I want to stay with my same agent for automobile insurance or bundle the car insurance with my house insurance. It doesn’t save me anything. Even though the house insurance will go down (after it goes up because of the new garage), parts of the auto insurance will go way up. Other parts will go down, but mainly because the deductibles will go up. And then, because of the high comprehensive deductible, I’d have to get full glass coverage so there would be no deductible for replacing a windshield. And that cost alone is more than the comprehensive cost.

What a racket!

The one good thing about changing insurance companies would be that I’d get to set a value on my car rather than rely on the vagaries of the first insurance company. The first insurance people do know I restored the car, and they have a photo of the car as it looked a couple of years ago, so it might work out. Of course, the best thing to do is simply not get in an accident!

There are other differences to consider when switching insurance companies. For example, if I am in a chargeable accident (I presume that means the accident was my fault), and if I have been with the first company for nine years (which I have been), and haven’t had an accident in those years, my insurance won’t go up because of it.

I certainly don’t plan on getting in an accident, but such things to happen — it’s why they are called accidents. I do make sure I don’t drive at night, in bad weather, in heavy traffic, when I’m distracted, or any other unsafe condition, but still, accidents happen.

All these things have to be taken into consideration, so is it any wonder that today I am not thinking about anything and giving my poor brain a rest?


“I am Bob, the Right Hand of God. As part of the galactic renewal program, God has accepted an offer from a development company on the planet Xerxes to turn Earth into a theme park. Not even God can stop progress, but to tell the truth, He’s glad of the change. He’s never been satisfied with Earth. For one thing, there are too many humans on it. He’s decided to eliminate anyone who isn’t nice, and because He’s God, He knows who you are; you can’t talk your way out of it as you humans normally do.”

Click here to buy Bob, The Right Hand of God

9 Responses to “Taking a Rest From Thinking”

  1. Judy Galyon Says:

    Rest is a good thing. Try to see if there is a company on the internet that will do your shopping for you.

  2. Estragon Says:

    Something I like to keep in mind when looking at insurance, is the fact that it’s exactly like going to a casino, but without the entertainment value. Over time, you WILL lose. Like the casino, the insurance company knows the odds and risks better than you ever could, and they have to charge enough to pay claims, overhead, and funding costs.

    Knowing this simplifies the process a lot. Insurance should really only cover life-altering losses (which money can mitigate). Anything more is really just a convenience (which you pay for), or entertainment (if you’re into that sort of thing).

    • Pat Bertram Says:

      I’ve never had insurance except for the car, but that is mandated by law. I do have extra, but that is more because I got it at the beginning when the car was new. Maybe it’s time to rethink some of these.

      I have some extra insurance for the house, such as line insurance (such as electric lines in the house and leading to the house) but I’m wondering if I really need these.

      • Estragon Says:

        I suppose you’d have to read the policy and exclusions pretty carefully. By itself, “wire” insurance is probably not worth having. OTOH, I’ve read some pretty strange cases. Eg. (IIRC) a policy was deemed void in a flood claim by virtue of some sort of non-ETL approved electrical device in use. The device had absolutely nothing to do with the flood claim, but because it was attached prior to the flood, the policy was deemed void by a court and only a prorata premium refund was required. What a racket!

        • Pat Bertram Says:

          They cover me for disasters that will probably never happen, such as a flood or hurricane, but won’t cover for things that might, such as hail damage. As you say, what a racket!

  3. Bacon Pro Says:

    You ever try to stress yourself out to get into a creative mood?

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