Going broke saving money
A few weeks ago I registered the El Camino and set it up on our insurance as “Devon’s” car.
Because of some stupid insurance rule, if you have the same number of cars as drivers, each driver has to be assigned to a car as a primary driver. Never mind that one of the cars, the Challenger, is never driven … by anyone. Never mind that on a day to day basis she has no car available to drive. None of that matters. All that mattered to the insurance company is that we had three cars and three drivers, and therefore Devon had to be listed as a primary driver on something. The effect of assigning Devon to a car as if it were her own, my Civic in this case, was our insurance went from around $600 every six months to around $1,750 for 
the same period.
This morning I received the new bill for our insurance, the first one after placing the El Camino on the policy. As expected, it went down. Instead of the $1,750 that it was going to be, it is now $1,248. For the math challenged, that’s a savings of a $1,000 a year. Never mind the fact that nothing has changed, having a clunker with her name on it dots the “I’s” and crosses the “T’s” for the insurance company.
By coincidence, $1,000 is also the amount I paid for the El Camino. So in a year I have paid for the El Camino from the savings in insurance. Now, getting the car road worthy … that is going to take a little longer to recoup.
