The Showers of Blessings

“Your Friday Prompt for Stream of Consciousness Saturday is “the last piece of mail you received.” Talk about the subject of the last piece of physical mail you received, i.e. a gas bill – talk about the gas, not the bill itself. Have fun!” – Linda G Hill

The last piece of physical mail I received was a “Renewal Questionnaire” from  the Automobile Club. The Automobile Club is the carrier for our car insurance. I must fill out the questionnaire and return to the Club as required to receive the verified mileage discount at renewal.

We have two cars, one is an Acura, a sedan car which is my car. It’s registered in my name and I’m supposed to be the primary driver even though my husband does most of the driving these days. The second car is a Hummer, an SUV which is my husband’s car. It’s registered in his name.

I pay the annual license fee and the insurance fee for my car and my husband pays the same for his car. The Auto Club calculates the insurance based on the annual mileage driven by that car.

I bought the Acura in year 2000 as a gift for myself after I graduated with the Doctorate of Education degree. My school district was 22 miles away from home. My driving was about 45 miles a day for work, five days a week. Then I drove about 15 miles a day during the weekends. My annual driving was from 12,000 miles to 15,000 miles. I retired in 2010 and put in less mileage to the car.

My husband bought the Hummer in 2011 for a low mileage used 2010 car because the manufacture stopped making Hummer in 2011. He worked closer to home and drove about 12 miles a day with the annual mileage of 2,100 to 3,000 miles a year. He retired in 2017.

The insurance payment we pay for the cars depends on the annual mileage. When the mileage is above a certain number, we pay the regular insurance based on the depreciation of the car and the driver’s driving record that year. When the annual mileage is lower than a certain number, it’s leisure driving and the insurance is lower.

Since we both retired, for saving car insurance money, we use my car for everyday driving. My husband drives the Hummer only when we go out for a date night once a week and go to church on Sunday. He likes to do that because the Acura is 19 years old and he keeps the Hummer in a good shape. I’m practical!

We save car insurance on the Hummer!

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SoCS March 23, 2019 – Mail