An Important Mail from Allstate

Yesterday afternoon, I was getting ready to shred a stack of mails (most of it I received when I was away on my vacation)… by chance, when I opened one of the envelopes, I glanced at the letter and realized that it is something important…a letter from my auto insurance provider.

 

It even says IMPORTANT on the envelope. I really should start reading my mails...lol

I have the bad habit of not reading my mails (because I get a lot of junk mail). Usually whenever I received mails, I just check the envelope (I must have missed this one) and if it is not from someone I am expecting I automatically put it in my to-be-shred pile. Fortunately, I read the letter before I place it in the shredder…if not my new quote for my auto premium will not be accurate (I do hope that they received it before the 20-day period ends...yay! that's in two days).

The Unveiling of a New Auto Insurance

Two weeks ago my brother-in-law renewed his auto insurance, however, this time he did not renew with Allstate (he probably felt overcharged), instead he switched to a new insurance company named 21^st Century (honestly, I’ve never heard of them until a week ago). He did lower his coverage and now his new auto insurance costs…drum roll, please…..$404 (Allstate quoted him $500 for the same coverage). Compare that to his old policy, which costs $667.37 (whoa! he just saved a whopping $260). 

21st Century's logo

Two months ago, I have renewed my auto insurance with Allstate for another six months. Although I still have the same coverage, my premium has increased $4.31 (if you think about it $4 is negligible but if it keeps on increasing, eventually it will add up to a substantial amount)…maybe it is time to switch auto insurance too. In four months’ time (when my policy period ends) I want to shop around for a new auto insurance (and I will definitely add 21^st Century to my automobile insurance checklist). I know the price is just one aspect I have to consider in selecting my next auto insurance (I will also look at their reputation, customer service, and how they handle claims). After all car insurance is a big deal especially nowadays with people trying to save money.

A Well-Deserved Time-Off

A little over a month ago, I went on a stress-free and pleasurable vacation in the Philippines. Days before my vacation, I called my auto insurance provider and asked if I can put my auto insurance coverage on hold, since I will be out of the country for a month and will not be using my car. Here’s what Kristy, Allstate’s representative, told me “it’s possible to put your insurance on hold but you have to keep your Comprehensive coverage (in case something happens to my car, other than collision, while I am away). You also have to inform your lien-holder of your plan and get them in agreement as well.” 

In short, it’s at my lien-holder's discretion if my idea is doable (that’s a savings of $50 if I can persuade my lien-holder to agree). 

Unfortunately, I got so thrilled by my upcoming vacation that I forgot to call my lien-holder (I guess I will never know the end result of that idea). Nevertheless, I do have some wonderfully taken photos to reminisce the blissful moments of my vacation. Check it out: 

SM Mall of Asia's GlobAmaze

The Manor Hotel at Camp John Hay

The Mansion House

A breathtaking view of Mines View Park

Burnham Park in Baguio

Ateneo de Manila University's Eliazo  Hall

 

a presentation of Traditional Korean clothing

outside view from Incheon International Airport