Warning: there is a little bit of math here. I may confuse you.
Not all insurance are created equal. While appearing equal, most appear to be bloody sharks, feeding on the murkiness of our ignorance. And sometimes, this is what they actually are, devouring the unsuspecting. But an enigma too, because their “numbers” could, at once, become flexible as if by magic. If you ask nicely. Okay, forget nicely. If you ask. There is something about knocking that opens doors.
Let me tell you a story.
Once upon a time, I received a letter for the renewal of my car insurance from Insurance A. I looked at the premium, thought something was not right, and good grief, when I checked, it was 7,000 higher than the old premium. Aren’t cars suppose to be cheaper as they age? Apparently not, if this quotation is to be believed.
The next day, I got another quote from Insurance B. Same company, different agent. The quote was cheaper than A’s, the deductible even less. It was starting to get interesting.