Car Insurance

Several weeks ago my wife reminded me of a weird story about my family! Our car insurance bill arrived in the mail and that prompted her to say, "Gee, I still can't believe....

After I got my driver's license I was eager to buy a car so I wouldn't have to walk back and forth to work. My parents agreed to put the car in their name to help lower the insurance rate for me, but told me it would still be expensive since I was a teenager. That car was a real clunker, but that's another story.

Every six months my mom would tell me how much I owed and I forked it over. It was a lot. But I was a teenager, that's just how it works.

A few years and a few cars later I got married. We decided to get a car in both our names and traded in the one I had registered to my parents. The "new" car was a lot newer than the trade-in, so I knew the insurance would be a lot higher--but I hoped being married would offset that somewhat. We went to the insurance agent's office to fill out the forms for our policy and the agent shocked me. He gave us a quote that was less than half of what I paid for the older car. I asked him why it was soooo much less.

The agent checked my parent's file for the information on my old car. He asked me again how much I had been paying. When I told him the amount he started laughing--and then he apologized. The amount I had been paying my parents to cover my share of their car insurance bill was actually the ENTIRE bill--for my car and both of theirs!!! Later my dad explained his thinking--he said having me on their policy raised the rate on all 3 cars, so he thought it was fair for me to pay the entire bill.

I wonder if he collected the entire amount from my brothers too before they struck out on their own??? LOL!!!