Thursday, February 12, 2015

Looking for Affordable Car Insurance - Again.

    One of the painful aspects of returning to the US, in particular New York State, was having to obtain auto insurance and having to start the process of getting a NYS driver's license all over again.  I have been driving for 50 years, both in New York and Massachusetts. Kevin has been driving for 1 year here and 12 years in Malaysia.  When we first arrived back here I searched around for car insurance to cover the both of us. We settled on Geico, as it was the cheapest and offered the best policy. The other nationally known companies, either were way too expensive or refused to even talk to me, as I had lived in Malaysia.

    With the Geico policy we were given a generous amount of time to obtain our New York driver's licenses and to update our policy. In November we took the required 5 hour pre-licensing course and made our appointments to take our road tests. The closest tests were 3 months away in January. The date finally came and went with both of us passing our road test. The next thing to do, as a good customer was to notify the insurance company, by updating our information on their website.  Immediately when I entered the new driver license numbers for Kevin and myself the premium jumped to over $400 a year!

    I contacted the company asking why there was such a big jump in the premium. They informed me that Kevin was classified as an inexperienced driver since he has never had a NYS license. I explained that he has had a Malaysian license for over 12 years and driving in Malaysia takes a lot more skill than driving in the US. They explained that previous driving experience in Europe, South America, Europe, Asia, and North America, except for Canada, is not recognized as driving experience. How arrogant of them!

    They did inform me that "I" could research their main website, not "them". So now I am in the process of the painstaking task of looking for car insurance quotes again.  I don't understand how when Kevin was driving with a Malaysian license he got a lower rate than being a good customer and resident driving with a New York  license.  I guess it's just another example how our insurance companies, whether they be auto or health insurance companies love to put the screws to us!

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