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4 Smart Ways to Save Money on Car Insurance

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The cost of auto insurance often causes people to lower their deductibles until they find a premium that they can afford. Unfortunately, that generally leaves people with deductibles that they can’t meet if anything ever happens, making the insurance pointless. Before you start lowering your deductibles, follow these money-saving steps to save money and still have proper coverage.

Re-Evaluate Collision and Comprehensive

If you are in an accident and it’s ruled someone else’s fault, the other driver’s insurance pays for the damage to your vehicle. However, if it’s your fault or you hit something other than a car, the collision insurance comes into play. Comprehensive pays you if there in an event other than a collision, such as theft, vandalism, or a flood. Your insurance company will pay you the value of your vehicle if it is totaled. If you drive an old car that isn’t worth much more than $1,000-$2,000, it doesn’t make much sense to pay for the insurance every month, and pay a deductible after the accident. If your car isn’t worth the cost of the comprehensive and collision insurance, just remove it completely.

Ask About Discounts

One important and effective way to save money on your car insurance is by asking about discounts. There are discounts for more things than you can imagine. However, the exact discounts depend on the insurance provider. Different companies choose the discounts that they offer, so it’s not all the same. Some companies might offer discounts to college students. Some only offer discounts to students who have a B average or higher. Most car insurance companies all carry discounts for active duty military and people with a clean driving record. While military veteran discounts aren’t always specifically advertised, most companies will give the military discount to veterans if they ask. You can also receive discounts if you affiliate with different unions or agencies. The insurance agency should have a list of affiliations that you can choose from.

Monitoring Programs

Some car insurance companies will give you the option to participate in monitoring programs. These programs give you a device to put on your car, and they will record when the car is speeding, when there are sudden stops, and also audio and video footage. If you want to put the monitoring devices on your teen’s car, you can also set up e-mail and text alerts that let you know when your child arrives in the locations that they’re going. The insurance can be reduced significantly; usually between 10 and 15 percent.

Keep Your Credit Score Good

Your credit score affects your insurance premiums more than you realize. When you get an insurance quote, they check your credit score along with your driving record. If you credit isn’t good, your payments are going to be higher. Keep your bills paid and your credit straight. So your premiums don’t go up as your bills go into collections.

If you’re tired of premiums you can’t afford or deductibles that are too high to even matter, you need to go over all of the different ways you can save money. Consider the monitoring program, re-evaluate your discounts, and decide if certain coverage is even needed on your vehicle.

Now We Know

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Thanks for all the kind comments on my Tuesday post regarding the health of our dog, Rocky. I haven’t been able to bring myself to reply to each of the comments individually, but I do want you to know I’ve read every single one and appreciate all the love and positivity you’ve shown us. From the bottom of my heart, thank you!

Yesterday I spent 4 hours at a vet specialist having additional tests run. Our first vet feared the worst, but said there was a (slim) chance Rocky’s issues could be resolved with dietary and lifestyle changes, so we were certainly hoping for the best.

Six Hundred Thirty Dollars later (in addition to the original $275 for labs spent on Monday), we have no shadow of a doubt. Rocky is dying.

He’s got lymphoma that’s spread to his liver and kidneys. The vet’s estimate gives him 3-6 weeks longer to live. I ended up paying for an ultrasound and an aspirate of his lymph nodes for examination/testing. I felt kind of dumb agreeing to the aspirate after the ultrasound was performed because the vet said it was likely lymphoma and I knew we wouldn’t agree to chemotherapy/treatment, so the second procedure seemed a bit like a waste of money. But on the other hand, as one commenter put it (“I hope you can make a decision you find peace with”), I felt like I needed to know in order to have peace. The ultrasound didn’t show any outright tumors that would have been 100% definitive (though it did show enlargement, grayness, and “lack of uniformity” that’s indicative of problems), so it took an examination of the lymph node fluids to know for sure.

We talked about the options. I knew chemotherapy wasn’t going to work and, with as advanced as his cancer already is (they placed him in Stage 4), the vet wasn’t optimistic that it would buy much more time anyway.

She said we could schedule an appointment to euthanize him, but I wasn’t emotionally able to handle that at the appointment. So the option we chose was one of palliative care. We’ve got some meds to make him feel better (they don’t treat the lymphoma, but will give him a little energy, increase his appetite, and make him feel a bit more like himself). Then when it’s clear that he’s no longer happy, we’ll schedule the appointment. It could be a matter of days or weeks…likely not longer than that.

I tried to hold it together at the vets (tears streamed down my face, but no outright sobbing), but I fell apart walking out to the car. And Rocky’s reaction? He leans over and starts licking my arms, trying to make me feel better. Sweet dog. I’ll be so, so sad to no longer have him in my life.

About the financials:

The exact amount in our “pet expenses” account was $335. That was the first pot of money that I used. I paid for the specialists’ bill on a credit card so no money has actually left our account yet to pay for the remaining balance. I’m going to pay it off as soon as the bill comes, but it buys us a little more time. First, I’ll try to make some funds available out of our normal budget by shifting things around. It might be tough though because this was already going to be a relatively “lean” month due to not receiving a paycheck from my part-time job this month. So if we can’t cover the rest of it from our budget, we’ll draw any remaining amount due from the emergency fund we’ve just started to build back up. It will be a bit of a blow, but it won’t be catastrophic, and at least we aren’t taking on any debt. Honestly, I know it’s an egregious amount ($905 currently; Add in prescription pet meds. And I don’t know how much it costs to euthanize him, but add that to the mix, too). Despite the cost, I really do feel at peace with our decision now that we have the full scope of information. If we hadn’t gone ahead with the diagnostics I’d always be wondering (plus, knowing what he has impacted our vet’s decision regarding the kind of meds she’s prescribing, so it was important for that).

Rocky boy is my first real dog. We had one family pet growing up, but we got him when I was already one-foot-out-the-door to college, so I never really bonded with him and he passed away long after I was gone from the house. Rocky, though, is my boy. Officially speaking, hubs and I got him together in our first apartment together. But everyone knew Rocky was “my” dog. Still to this day, I (and I alone) am his favorite human.

It’s tough already, but I know it will get tougher soon. As a heads up (and we totally don’t have money for this in the budget either), I immediately called a photographer and asked if she’d be able to make a last-minute house call to get some final family photos as a family of 5 (before we lose our doggy member and reduce back down to a family of 4). Rocky has never been included in “family pictures” and although I’ve got photos of him from throughout the years, they’re terrible quality and none are actual posed photos with the whole family. I know this is something I’ll cherish long after he’s gone and, again, it brought an aspect of peace to this process for me. Unfortunately, the soonest the photographer can come out is not until Tuesday. I’m pretty worried that might be too late, as Rocky refused to eat all day yesterday and has already thrown up twice today (as of 6:30am). But he just barely started his medicine so – fingers crossed – it buys us enough time for him to truly feel better, spend some more time together, and get the photos my heart is yearning for. I don’t yet know the price, but our last photos were $150. I did tell the photographer I’d pay extra to come to our house since we live a good hour away from where she’s located. Honestly, I kind of don’t care. I don’t want to spend an arm and a leg, but even if the price were doubled ($300), it’s $300 well spent. And just about the last $300 we’d ever be spending on this animal, so that’s something to think about in terms of (lack of) future costs.

In some ways, I’m truly thankful things will happen quickly. He won’t have a long, drawn-out period of misery and slow deterioration (like my Dad is experiencing with his disease). I’m also thankful this is happening during summer so I’m not away for long hours at a time. My plan is to still work at the office MWF, but this entire week I’ve stayed home with him. I do have to go in for several meetings on Friday, but hubs will be able to be around. This is important, as Rocky will increasingly need quick access to outside and we don’t have a doggy door. Plus, someone needs to be around to be able to monitor how he’s doing.

I hope to have a couple more weeks with him to fully love on him, pamper him a bit, and (selfishly), give ourselves a chance to wrap our minds around the inevitable. But as soon as its clear that he’s no longer enjoying life, we’ll be sure to do the most humane thing for him. I know the time is coming soon.

Everyone has their own struggles. Peace and hugs to all of you as you navigate yours.

“Be kind. For everyone you meet is fighting a battle you know nothing about.” ~Wendy Mass