Oldest daughter is ready to emerge as a driver. She's planning on taking the road test next week. She's completed State Farm's Steer Clear online program and her most recent report card shows a 3.8 GPA. I called to find out the cost to insure her (increase in our premium).

According to State Farm, we have three cars (which we do) and we will have three drivers, so DD will be a primary driver on one vehicle. Cost for 6 month premium is $479. (Our six-month premium without her is $218.16).

The third car is a 1973 Chevy Corvette that sees the light of day only in the summer, never when there is a rain cloud in sight. It is a stick shift that I can't drive. It sees maybe 350 miles annually.

We've had this car insured by Haggerty in Traverse City, MI which specializes in classic cars in the past. I don't recall how it ended up back here at State Farm.

I decided to transfer coverage back to Haggerty. Thus, State Farm considers us a two car family and Isabella is back to being an occasional driver. And our six month premium drops from $479 to $378.47.

The woman in the office wasn't too happy to do it, but Hell, my money is my money. And State Farm doesn't need to get more of it than necessary! And similar coverage at Haggerty will cost about $2.50 more per month.

Takes a bit of thinking to outwit the money grabbers! And so what if I pay Haggerty vs. State Farm. *sigh*