Tag Archives: Want

How Car Insurance Companies Don’t Want You to Spend Your Holiday

There’s nothing like a good vacation to bring out the beast in you, and there’s nothing like a holiday party to bring on the urge to do something wild and crazy! Before you gear up for your next holiday celebration, however, take a second to consider the shape of your car insurance.

Do you know why car insurance companies hate holidays? Because inevitably, they spend the next two weeks filing car insurance claims! Nobody likes to spend two weeks drowning in paperwork, which is exactly why insurance companies have their own list of recommendations for policyholders when it comes to kicking up their heels over the holidays.

Number One: Put down the brewsky and hand over the keys. Don’t drink and drive. It’s trite, it’s clichéd, but it works. Thousands of drivers crack open a beer (or six) at a holiday party before sliding behind the wheel. Hundreds of thousands of people have been injured, many fatally, as the result of a run in with an overly ambitious party-goer. Hand over the keys or crash on the couch. It’s good for your checkbook, your conscience and your future.

Number Two: Resist the urge to pile 20 people in a pickup truck. Most states have pretty strict laws regarding piling people in the back of a pickup truck. It makes sense when you think about the fact that one good bump could send you flying over the edge! If it’s illegal your car insurance isn’t going to cover it, so don’t do it. Hijack a school bus if you have to move thirty people from here to there. Sure, you’ll be looking at some time behind bars, but at least it won’t hurt your car insurance rates!

Number Three: Forget About It. You know that demolition derby you were planning on hosting? Unless you’re absolutely positive you’re going to get slaughtered in the first round, thereby making subsequent damages somebody else’s problem, don’t do it. Have you seen how high the shop bill for all fifty contenders can go? Your insurance company’s going to have something to say about it, and that something is going to sound a whole lot like, “Hit the road, Jack.”

Number Four: Leave the shotgun at home. Going out and shooting at the streetlights might sound like a good idea at the time, but car insurance companies have a notoriously long sighted view when it comes to short term entertainment. The damage to public property is going to set them back a pretty penny. Since taking a pound of flesh is going out of style they’re going to be happy to take a pound out of your wallet.

Number Five: You’re not a chicken. There’s something about an open road that all but begs you to go out and play chicken, isn’t there? Forget it. Ignore it. You don’t have nearly enough feathers to be a chicken, but you’re definitely going to feel like you’ve been plucked by the time your car insurance company gets through with you!

Holidays are supposed to be fun. What they’re not supposed to do is break the bank! Your savings and your sanity will be in a lot better shape if you follow the rules when you’re kicking back at this season’s celebrations.