I'm a pretty good driver. At least I'd like to think I am... But today I got an email from my insurance company telling me that my insurance is DOUBLING from $1400/year to $2700/year because of a speeding ticket I got in 2009. The ticket was for 110km in a 100km zone. It was a $40 ticket and NO demerit points. So I'm confused... it wasn't bad enough to hurt my driving record but its bad enough to DOUBLE my insurance. I'm kind of upset... kind of very upset. Though, at the same time I don't feel like I necessarily have the right to be mad. I mean I was speeding. This sucks. I'm gonna give them a call tomorrow and see if I can get more information and possibly lower my quote at least a little bit.
Back to struggling,
Update: Yes its only been 5 minutes but I pulled out the speeding ticket to confirm that I was remembering correctly and found that the date the insurance company has stated in their email isn't even the same month as the ticket I received. I wonder if this is just a clerical thing (when the ticket was entered in the system) or just completely incorrect information. I'm now very excited about my phone call tomorrow!!
Update: An hour later...Following the increase in my insurance I was FURIOUS! Mostly because I didn't know where I'd get the money to cover the increase from... So, I pulled up my excel budget and to my surprise I had already budgeted $400 for monthly car expenses. This is good news (my previous actual monthly costs were closer to $250-300). This frustrating moment has practically been nullified by my intense need to over estimate costs. If I cannot get the premium lowered I'll still probably juggle my budget around (to increase my bugeted car expenses to $500 if possible), at least its not quite as devastating as I originally thought. I'll just have to be more careful with fuel costs and trim down my extra spending a bit more but I should survive!!!