After not hearing from my insurance company in 2 days regarding their weird billing structure, I called to see if there had been any progress deciphering the amount. Underwriting simply cannot explain why removing $202 worth of medical payments insurance only results in a decreased premium of $141. (I suspect that having the medical payments coverage makes you "safer", which gives you higher passive restraint discounts, etc. but why can't someone at the company know/explain that?)

Over the previous two days, my agent shopped four other companies because she was not satisfied with underwriting's convoluted answer. However, the 4 other companies were far more expensive than the coverage I currently have; one was TWICE the amount I'm paying now!

So I have decided to stick with this company. Subtracting the medical payments portion has brought my bill lower than it was last year. I am so thankful to have health insurance through my job this year, thereby not relying on only $10k worth of auto insurance for medical.

I have worried that, if I should have to file a claim someday, will this insurance company not be helpful in processing it? It cannot be worse than my previous not-to-be-named national well-known auto insurance company. When a carful of teenagers ran into me while I was at a stop sign, the claims adjustor told me, "We are not an attorney for you. You need to call the other party's insurance and hassle them to pay this claim." Shocking, I thought I paid the premiums so that they would do that job for me!