Car Insurance

I recently worked with my car insurance company to improve my rate and drop my monthly payments (I can't yet afford to do the 6-month payoff all at once).

I had always just figured it wasn't up for negotiations, but then realized if I never asked, I would never know.

I started by getting a quote from a different national insurance company (the little gecko) as a bargaining chip. I never intended to leave my insurance because I like them and the local people are really nice (a "family"). The woman who helped me was great and worked through all of the options with me and also suggested shortening my current term to help me best drop some of the expenses when an old accident (snowy roads) will fall off my plan early next year.

I was hesitant to increase my deductible from the current $250, because I was afraid I might not be able to then afford it if I did have a problem.

But since I made the initial big changes, I've been acutely aware of my driving so I can avoid any tickets and accidents. And this week, I decided that now with my emergency fund plan and my improved driving attitude/behavior that increasing my deductible to $500 would be a smart plan to help me save money overall.

So, I just talked to the Insurance Agent again and adjusted my deductible up, which will save me $50 over the six months. Every little bit counts. And I'm super excited for next year when that accident finally falls completely off, saving me even more money.