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Have to decide by tomorrow...

October 12th, 2006 at 09:20 am

I got a letter from my insurance agent. I love my auto insurance agent because she's an independant agent which means she represents multiple companies. When my insurance comes up for renewal she checks all the companies she does business with and if she finds a better deal she lets me know. Right now my policy is $1066 for a year. She represents more insurance companies now and one of the new ones she was able to quote me at $866 for the year.

My problem is..I got a speeding ticket about a year ago and I never told her about it. If I have her lock in the quote, I have to tell her about it because it'll be found out when the insurance company pulls my record and if they find it when I've told them there wasn't anything it'll be even more. The last time she sent me a letter, the difference wasn't really that much. But now... I just don't know how much a speeding ticket will affect my rates. Argh! It definately would be cheaper to go this other route, and perhaps even with the speeding ticket it would be the same as I'm paying right now. Problem is, I won't know til I tell her and once I tell her, it'll have to be applied to my current policy as well.

I hate lying. And lying by omission is still lying. But I was really hoping I could skate by three years without having to tell her. Although, I know one time I told her I had a ticket and she looked it up and it wasn't on my record. Odd that.

I don't know what to do. My gut says to call her up and tell her to go ahead and lock in the quote. Even if it means telling her about my speeding ticket.

2 Responses to “Have to decide by tomorrow...”

  1. Bookie Says:

    Don't auto insurers routinely check driving records at renewal time? I've known it to happen, but I don't know whether it's an industry-wide practice.
    .
    You should be candid in dealing with an insurance agent, and that goes double if the agent is an independent. Aside from the trust issues, it wouldn't look good if the agent had a call-back on a policy because you didn't come clean.
    .
    All IMO, of course.

  2. LdyFaile Says:

    That's what I thought too, that they routinely check driving records. But this is the second renewal of my insurance since the ticket (right now it renews every six months) and it hasn't gone up any, if anything it's gone down.

    I think I'll shoot her a call later in the day when I'm alone in the office. My only hesitation is I pay insurance out of my check on the 20th. I technically don't have money til then. I could pull out of savings but would prefer to not take that route.

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