Insurance Magic

I wanted to get a whole bunch of quotes for homeowners insurance so that I knew I was getting a good price. But, it turns out, that within the first two quotes I received, I got both the highest and lowest quote humanly possible. One, All State quoted me at $930 a year. This floored me because my mortgage people were estimating something around $600 for all the estimates they gave me. Then I talked to a guy at MetLife, who told me it would only be $415 a year.

This intrigued me. So, I kept getting quotes. And kept getting quotes... and kept getting quotes. Then, I got quotes from different agents within the same company. Insurance is an insanely crazy thing, let me tell you. I've gotten four different quotes from All State: $930, $706.25, $614.03, and $489.44.

Crazy. Look at all those different numbers!

You know what else is crazy? I can't stop myself. I've gotten 16 quotes. I need to go to Insurance Quote Addiction Anonymous or something. I just can't believe how different they are. And did you know that Farmers gives you a discount for being a scientist? Now I just sit here and ask what kinds of crazy discounts I can get. I have a new roof, can you discount that? I even got a discount because I'm a GW Alumnus. Seriously, this insurance thing... it's magic.

I think you should become super good friends with your insurance agent, because the more they know about you, the more discounts they can find. I'm gonna go back to that MetLife guy. He was one of the first people I talked to, so I didn't know of the magic that is random insurance discounts.

And this is all without the 10-20% discounts you get when you insure your auto with the same company as your home.

So, learn your lesson well - shop around for insurance to find the best rates. The sad thing is, I'm comparing apples to apples on these because I make sure they're all quoting me the same replacement value numbers and personal liability and whatnot... and they're STILL so different.

Insurance world is a mystery.


End Blog.

An Idea is a Greater Monument than a Cathedral

I just watched Inherit the Wind last night. You know the movie - the one based on the Scopes Monkey Trial in Dayton, Tennessee in 1925. A battle royale between the modernists and traditionalists - or intellectuals and religion, so it seemed.

I'm sure everyone knows which side of this debate I fall on. I can't imagine why there would even be a law banning any sort of education. I already feel that the world is undereducated, so to take away anything that would provoke a thought of our own or challenge traditional beliefs is ridiculous... but to have a law banning it is downright unconstitutional. Especially with the whole idea of separation of church and state. Don't argue that America was founded by Christians - it was founded by those seeking religious freedom - and I think that should still be the case. I won't get started on what our government has turned into in the past few years.

It baffles me that 82 years later we're still having this debate on what to teach in schools. Evolution? Creationism? Intelligent design? All three? None of the above? I was never taught evolution. My AP biology teacher, Mr. Eckert, told me to read a few chapters in the book on my own because there would be questions on the AP test about it... but he couldn't teach them to me in class. At the time I was under the impression that "couldn't" meant that we didn't have enough time to cover it in the curriculum, not that he was actually not allowed to. You'd think I was growing up in Kansas, not Pennsylvania.

I can't understand it. Why do our social values and intellect conflict so much? People are fanatical about religion and what they consider moral. And apparently using your mind and the ability to reason, the very thing that sets us apart from all the other animals - and arguably the thing that God himself bestowed upon us - that's what gets all the fundamentalist folks all riled up.

FACT: The sun revolves around the Earth. We didn't descend from slimy sludge. The world is not millions of years old. Not believing in God makes you an amoral heathen. Marriage is between one man and one woman. Man and woman were placed on the Earth by God during creation.

Listen. Thought doesn't undermine values. The thinking men and women still know right from wrong, but they can also see all the shades of grey surrounding the issue. They can see other possibilities. They have found things that don't fit into neat boxes and have striven to make sense of the world. Evolution has gaps. So does genetics. Scientists recently discovered that what they thought they knew about transcription of DNA and what they termed "junk DNA" might be completely wrong. Life is still a mystery... But they know there is not only one solution to a problem, and they will keep working at that problem. Not only that, there will be others working at the problem from a different angle, forming their own opinions on the matter. But they will not be standing still, insisting that they have found all the answers, and they are right... all you have to do is have faith and believe!

Scholars are our future, they are progress.

The thing that killed me about this movie was the song that the mob kept singing. "Gimme that old time religion, it's good enough for me." Since when has anything been "good enough" for us? We like progress. We are fans of enlightenment and intelligence. We are innovators. At least, that's what I always thought. Maybe that's why I like the theory of evolution so much. I want to keep moving forward, not living by the rules of the past. Not believing in the old stuffy religions that leave no room for change, no route for progress. And without those paths open to us, we will be left behind by others who are more open minded.

If you haven't ever seen this movie, or if it's been years since you watched it, I think it deserves another viewing. This movie makes you think. And even though it was made over 40 years ago, it applies to so many things today. Truly a thinking man's movie - and not only that, it was very true to the real life events that occurred in 1925.

Two great, big, opposable thumbs up.


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