Don't screw with me! (yes, I am complaining...again)

Yesterday we had an appointment with an American family insurance agent to switch our Iowa car and renter's insurance to Arizona. We had heard that Arizona insurance is a lot more expensive due to lots of cars getting stolen, multitudes of insane drivers that don't realize that they aren't the only people on the road, and older drivers that flat out just shouldn't be on the road. What we didn't know was that it was going to be more than double what we paid in Iowa and almost the equivalent of a second car payment.

So, in Iowa, American family insurance had the best price around. We paid $142.11 for our two cars and $18.00 for our renter's insurance every month. Our quote here: $313.00 for the two cars and $28.00 for renter's insurance. We understood we were in Iowa... probably one of the less expensive states. I don't know that for a fact, but it just seems logical. But, paying $340 a month for insurance seems RIDICULOUS. I mean, seriously. If that's really what it is, then I will pay it but it just seems a little steep even for Arizona AND considering we brought a lot of our coverage options down. (Like the $100,000/$300,000/$100,000 thing we brought it down to $50,000/$100,000/$50,000). And we left a few things off. Why you ask? Because otherwise our insurance quote was $355 JUST for the cars. Plus, we don't have a house or any equity so why have that much coverage? It still seems like a crazy amount of money to pay, regardless.

It made us so mad, too, last night because we were there for 1 hour and 20 minutes. I mean, we didn't even check other insurance carriers because we figured we were already on the system here, so it would be easier...like only takes 10 minutes easier. Well, I swear dude, it was like we were never customers of American family. We had to do everything we already did when we started the insurance. It was so stupid. AND, the guy had to manually fill out paperwork...that took approx. 45 minutes. Why aren't we in some database and the changes take effect immediately? I don't get it.

Since last night I just haven't felt great about this... So, this morning, I got a few quotes from other insurance companies including state farm and progressive. I personally am quite ticked off right now because I almost feel like I am missing something... like this guy just put more stuff on so our premium would be higher. I did the quotes for the other companies online with everything the same and we were quoted anywhere from $209-$280 a month...A TON less than we might end up paying through dumb American family. So then, I thought maybe I was just being an idiot and missing some type of coverage that would raise our rates to be comparable to American family. But I wasn't. Then I proceeded to RAISE all of of coverages and put different things on that we don't need and our rates STILL WEREN'T AS HIGH. WHAT??!! $1oo a month will make a difference over the course of the year...even $25 less a month would somewhat.

I feel like we got screwed somehow though I don't understand just how yet. I don't really care if ALL COMPANIES said I would be paying $350 a month. But they don't. And that's my problem with the whole thing. It seems like there are a lot of people who just take advantage of you so that they can benefit. I hate those dumb brokers, agents, and even some doctors who just talk over your head and do stuff that you don't even need done. That's what I feel happened... I am going to investigate more and talk to other insurance companies so we can get to what we REALLY should be paying: whether that is $350 or if it decreases considerably remains to be seen. I just want to know if we've been jerked around with. Because that's what pisses me off more than if we would have to pay $1000 for insurance out here. Stay tuned for the outcome of the insurance saga.