Last week, I was going through a mini-crisis with the 117% increase in my car insurance next month. I was devastated. I literally went through the 5 stages of grief at the amount of increase. I was crying and falling out all over the place. But, people told me to “get a grip” because I’m the most faithful person that they know. I was offended. My going through the stages didn’t mean that I am without faith. It meant that I was utterly human and fallible. Don’t judge me.
Sometimes we need to go through the stages to get to the praise. Some people don’t but I do. I am not alone. It is not a sign that I am not faithful. On the contrary, it shows that I need to work through a crisis and analyze it from all angles. So, let me tell you what happened at each of my stages so that you can realize how completely normal I am.
Denial and Isolation Stage
This was the first stage. I literally couldn’t believe the amount that I was seeing on my renewal notice. I assumed this is a mistake.
How could you remove the responsible driver discount? I mean two accidents in one year, I get it, but they were small and no one died. Why is this happening to me? No one knows what I’m going through. God, I hate my life. It sucks to be me.
How could they increase my dang insurance this much? How am I supposed to live? You obviously don’t want me as a client, so kick rocks. I will find someone else. I have had a great driving record for the last 21 years and this is the kind of foolishness that I get? Well, screw you big insurance company! You’re always trying to stick it to the little person. I’m going to talk to my elected officials about Tikeetha’s law to put a percentage increase in place so that insurance companies can’t increase your car insurance over a certain limit without tickets or money paid out in excess of $10,000. Now, where is my congressman’s number? I need to write the Insurance Commissioner about this ASAP.
Okay, I know that this is more than my car note and I can’t afford this amount. I am one step from the poverty line. I can’t get a second job. I’m in a custody battle and my ex will go for full custody if I can’t pick up my son during our scheduled time. I would rather die than be without my baby. I asked my sister, “Do you think people will judge me if I become a prostitute?” My sister responded, “No, judgement, but have you thought about stripping first? Why jump to prostitution? Baby steps okay?” I can’t afford this. Ugh! I need a soup kitchen line because this is where I will be eating from now on.
I hate my life. Why oh why didn’t I just stay in my beautiful Corolla? Why did I get seduced by the beautiful body of “Blue Magic”. She’s a gorgeous sports car, but am I really that responsible? Apparently not and no one can empathize with the financial burden I am dealing with. I want to crawl under my covers and jump off a tall building in my mind because I can’t handle this.
I couldn’t stop crying in this stage. Everything affected me. Everyone who couldn’t understand was my enemy.
Okay, this is happening and I need to figure out what I’m going to do. I can’t afford the premium and I know that there is a lesson I must learn and I need to fix my mind and call the insurance company because their suggested increase is still the cheapest. These insurance companies suck! I need to switch fields and open up an insurance company because that is where all the money is going. But, let me get it together and call the insurance company…
Me: Hi, I’m calling about policy number 123-455-5789
IA: Hi, I have your policy, how can I help you?
Me: (Burst out crying) Ma’m I can’t afford the increase. I need my car to drive to work and get my child back and forth to school, but I don’t want to become a prostitute. I have a 6 year old son. Do you know how hard it is being a single parent? What will his friends think?
IA: (Extremely sympathetic) I understand your concern. Let me look and see what I can recommend to get your policy lower.
Me: (Sniffling) Thank you.
IA: We can increase your deductible to $1,000 and that will take $300 off your yearly premium.
Me: Okay. I hope no one hits me or that they total my car out.
IA: That’s still a lot. We can run your credit as part of your renewal and that may lower your premium.
Me: Okay, do it.
IA: Good news, it lowered your premium another $900 a year.
IA: I know it’s still expensive, but try to bundle your insurance with us and it could save you another 10% a year. I know it’s not much, but it may be worth it.
Me: Yes, 10% is definitely worth it. Thank you for all of your assistance and I’m sorry for crying.
IA: It’s okay, I would definitely be doing the same thing in your situation. I couldn’t afford this.
Me: But, God. I guess it’s time for me to get my praise on.
IA: Amen. You have a good day.
So, I got some money off and the increase is now $5.00 less than my car note a month. Something is better than nothing and I am thankful that she could do that. I have extreme faith that God will never give me more than I can bear and that He won’t let my baby starve or have me living in the streets or prostituting to make ends meet.
Sometimes I need to go through the stages before I get to the point of accepting that He has me and He always will. Don’t question the fact that I go through the stages as a lack of faith. It’s not. It’s a sign of my authenticity. Because, God knew where I would end up at the end of my 5 stages. Right where I was supposed to be. On my knees…praying, praising and thanking Him for his continued support and love over my life.