- From: "RichL" <rpleavitt@xxxxxxxxx>
- Date: Fri, 20 Feb 2009 17:05:16 -0500
Charmed Snark <snark@xxxxxxxxx> wrote:
Lumpy expounded in news:705nvbFmjbh2U2@xxxxxxxxxxxxxxxxxx:
Charmed Snark wrote:
I am very anti-insurance in general. I only get the absolute minimum
coverage I need, with the expectation that I'll likely not need it.
I only cover the risks that I consider most unacceptable...
I used to have towing on my auto insurance.
We just changed carriers. The new carrier wants
$40 every 6 months. With the old coverage, I used
the towing one time in 8 years. The cost WOULD have
been $30 for the tow.
No question that I no longer pay for towing coverage.
Ya, you really need to do the math. Here a lot of folks get CAA
(Canadian Auto Assoc) coverage yearly for towing etc. In our own
experience we seldom need their help/boosts etc. I only sign up when
I need to call them for a two. Then I let it lapse when it runs out.
The funniest thing was when my wife bought a toaster ($15) from
Zellers, and they asked her if she wanted to buy a protection plan
for it: "Are you kidding!?!? I'll just be a nice new clean one. I
don't want to get the dirty old one fixed!"
I love those "protection plan" scams. The last couple of times that I
bought major appliances, I had conversations that went like this:
Seller: "You will, of course, want our protection plan."
Seller: "So you won't be faced with a huge bill when the appliance
Me: "How often do you expect it to break down?"
Me: "If it has a decent reliability record, the protection plan is
pointless. And if it doesn't, I don't want to buy it"
Seller: <fidgets some more> "Well you want to be protected just in
Me: "Wrong. I want a reliable appliance. I think I'll look at some
other brands. Take care!"
Consumer Reports is your friend ;-) I never bought a protection plan,
ever, but I do like to watch them squirm!
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