Is the glass half empty, half full, or twice as large as it needs to be? ~Author Unknown
Okay, stick with me, it’s a bumpy but funny ride.
We attract what we think about most, and for some reason, a few weeks back, my thoughts started to gravitate towards money flowing away from me, and guess what happened. $40 I sent through the mail got lost, and then Geico Insurance decided to bill me for my insurance 10 days early, and on top of that, not only did my insurance go up from $136, to $154 per month, but they decided to bill me for $182.
Here’s the interesting thing. Normally at billing time I just call up and do a pay by check over the phone, but for some reason I decided I would do the responsible thing, and have them just automatically bill me each month. I never keep any money in that account, until bill time. So there was no reason for me to even check it until the 4th of April, when bills would start coming in.
However, for some reason, after talking to my dad about bouncing checks, a day later I checked my account, and yep that bill, that got pushed through way too early, bounced, causing not only a $34 NSF fee, but a $5.00 fee for each day the account was overdrawn. I immediately phoned Geico, and was told that if I would just fax my bank statement into them, they would take care of everything, so I did, but was hit with another $34 NSF fee the very next day because they tried to push it through again. So now I’m out over $80.
Geico received my fax, and I waited for them to go over it, and finally was able to discuss it with them last night. Immediately it was apparent that they were not going to pay for the over draft fees, the operator started by arguing points that was clearly wrong, and every time I proved them wrong, or created any doubt, they moved onto a new point that they just then discovered that once again proved it was my responsibility. This ended with them saying that I had agreed on line to pay this bill that was due on the 4th of April, on the 21st of March, but would from then on fall on the 4th of each month, which is laughable.
Now to the point. Did I attract this? Yes. My constant worrying about money going out made that happen exactly, money as soon as it entered my life, was going out. Now there was no reason for me to bounce a check, but yet within a few days of discussing this with my dad that is exactly what I did.
But the story gets better. While I’m on the phone with Geico, I hit up Progressive insurance on line and get a quote. Here is where the blessing comes in, because I was able to not only get liability through them, but add on uninsured motorist for a total of $114 a month, which is $40 less a month than Geico.
I told the operator that this was quite silly. Here I was, being lazy, and never seeing if I could get a better deal elsewhere, and this is after almost six years of doing business with Geico. My ego was clearly getting in the way, and I was going to argue about $80 in overdraft fees, and try to keep my policy with them. I was amazed that they did not even value me as a customer, well at least not for $80. So, I then thanked her for inspiring me to check elsewhere, and find a better deal.
So yeah, in a round about way, I am grateful for Geico, because of them, I just saved a bunch of money on my car insurance by switching FROM Geico.
