UpSale

So I went to renew my car insurance today. I still had a few days, but figured, let's not leave it to the last minute. I was in the mood to be quick. My 4 year old is still getting over being sick and the baby is just starting to get sick. Let's hope my 8 year old isn't going to join in on the fun, and when I say fun, I use it loosely. If all 3 kiddies are sick at the same time, I don't think I'll make it out alive!!



Like I said, I wanted to be quick. I had just dropped my 8 year old off at school and I had fifteen minutes to kill before the insurance office opened. I popped over to my favourite coffee shop for a fuel up and spoiled my 4 year old with a doughnut. Soon it was time to head back over to the insurance office. I literally opened the door the second the open sign came on. I walked up to the counter and was greeted by a very nice looking woman. I explained to her that all I wanted was to renew my car insurance, no changes, everything the same as last year....done and done!!



It all started off well. Until she tried to UpSale! (I don't know if that is one word, but I am making it that way because it looks pretty!). With a big, pretty smile on her face, the agent tried to swoon me into taking a larger amount in my liability. (This just means that if I get sued for an accident that I will be insured for a certain amount.) I politely decline as the amount I am covered for is more than I'll ever make in my entire life, and I think that makes it a massive amount!! Now, this is where it gets good. The very nice, big smiling, swooner of an agent, explains to me that if I don't have a larger amount for my liability than when or if I get sued, the person doing the suing will take my house, my car, my savings and everything else I have. WOW lady, this just got serious! The smile faded from her face and she was now in total work overdrive. She was hell bent on making this sale. She figured me for an innocent, naive woman who would make this deal.



The kids were starting to get restless. The baby was trying to climb up and over my shoulder. Trying to get where?? Who knows...but he was really not wanting to be renewing insurance any longer. My 4 year old insisted on leaving there with a balloon and when I said 'No' the mini meltdown started. I wanted to leave.



In my nicest, but most firm voice I let out "no thanks"...it wasn't good enough. She immediately started crunching numbers, showing me all her calculations to save me .93 cents a month. Again, in my nicest, but most firm voice I let out "no thanks, I'll just keep everything the same". This would surely work....or not. She picked up the phone and dialed the head office to probe into how I could save more money.



Now, I don't want to seem ungrateful to her. She was really trying to save me my overall monthly payments, but she was oblivious to the snotty nose, coughing, mini meltdown, climb all over mom kids.



Somewhere in the mayhem, the insurance agent gave up the UpSale. At first I was proud of myself thinking that I was firm and put my foot down and she accepted that...but then I turned around and saw someone waiting behind me. Fresh Meat.