After getting married, not only did I change my name, but I also went about changing my marital status on any forms or accounts that I was already updating.
I knew that the change would come into play once we filed our 2012 taxes, but I didn’t figure on seeing any changes before that.
I’ve had car insurance with Geico for more than 2 years now, and I’ve always been happy enough with the monthly cost. I mean, sure, who doesn’t want to pay less? But my rates were comparable to those of friends, and it was certainly doable on my budget.
Then I changed my marital status, and Geico changed their rates. To $20 less a month!
Now, let me assure you that I recognize that $20 is not a huge amount of money. Even over the course of the year, it’s not the same type of savings that we’d get if we, say, cut out cable. But it’s not really the $20 that got me.
It’s the fact that the discount happened after I noted that I was married.
Does being married make me a more responsible driver? Does it make me less likely to speed or get into accidents?
Does it make other drivers less likely to hit me? I’m pretty sure there aren’t any drivers out there who start to gun it through a red light, see me in my Ford Focus, and think, “Shoot, I better be more careful. She looks married.”
I wonder, however, if they (Geico) are banking on a stereotype. Maybe they assume that because I’m married, I’m likely to drive less because my husband is likely to drive more. And if that’s the reasoning, they’re about 2 years behind schedule.
It’s true that I drive less, but I’ve been doing that since Husband was boyfriend, for one very simple reason: he doesn’t like my driving.
He doesn’t like my tendency to go with the flow of traffic, when traffic is flowing perhaps slightly faster than the posted limit.
He doesn’t like my tendency to take yellow lights for what they are – a warning that the light is about to change, so you better move quickly if you want to make it.
He doesn’t like my tendency to leave anything less than two car lengths between me and slowpoke in front of me.
And because I don’t like constant reminders of our different driving styles, I cede the driver’s seat.
I haven’t been keeping stats, but there are probably fewer disagreements in the car when he’s driving, as opposed to when I am. We probably also reach our destination anywhere from 30 to 45 minutes later.
So there you have it, Geico. If your plan was to reward me for driving less, then you’re a little behind the times.
But if you want to knock even more off that monthly rate, I’ll let Husband drive 100% of the time, instead of just 99%.
And I’ll make sure we leave at least a half hour earlier than planned.