‘Tis the season – of insurance renewals

I got the renewal from my homeowners/car insurance company today (USAA).

I found this part to be interesting:

image Sorry – it’s a screen shot of a PDF.  Click it to zoom in.

The first paragraph tells me I might have a premium increase because they “launched a new program with updated features and prices”.

OK, what is it, what did it cost me, and how does it help me?

I have no clue.  All I know id my rates probably went up and it was “probably” in my best interest (sure it was!)

The second paragraph is the kicker though – after just telling me I will maybe be paying more for a new un-described program with unknown updated features and – Oh – “updated” prices.  That means higher prices, Right?

But the second paragraph – it just bowled me over – even after telling me I am paying more (maybe) for I don’t know what they promise to review my account every renewal period.  That’s every six months!  Why can’t they review my account every day.  Make insurance like electricity – the more you use the more you pay.  The less you use the less you pay? (answer – because if that happened the business model for insurance would break.  The fact is most of us pay for the sins of few).

In any case, this new policy may explain things more clearly later.  But for now, on page four of the PDF or page one of what would be a paper copy, this is the message my insurance company has sent me – “You are going to be paying more for more, but you don’t know what more is, but don’t worry – twice a year we’ll look and see if we are screwing you or not”.

This was a very poorly thought out message, I think.   I would rather they A) Told me what my policy $$$ change was, B) told me what the new “stuff” was and C) told me again what it cost me.

But that’s just me.  I actually read my insurance policies šŸ™‚


  1. Insurance, is one of the things in life that I don’t get.

    The other thing is girls. I don’t literally see any šŸ˜‰

  2. @deannie – yes – adding both my kids more than doubles my policy šŸ™

  3. oh boy, I just got my auto insurance renewal and it went down. heh, that is because I haven’t called my agent and asked her to please add my 16 year old on there. šŸ˜‰

  4. @I tell ya – I get two things a month via regular “snail mail” that I need to get – a child support check, and payment from one client. Both can be changed to electronic delivery – as soon as I remember to/have time to. šŸ˜‰

  5. Damn!! šŸ‘æ

  6. @Rick – nope. Like I said, it was a PDF – it came via email šŸ˜‰

  7. I’m just curious….did you get that delivered by the US Postal Service? šŸ˜‰