Car Insurance Due

It's that time again... We got our premium notices from State Farm to pony up for Car insurance.... the only problem is we're going to be short $102.16...

We forgot to mail in the mileage on SCB's car to get the discount we were getting... So, we didn't end up putting enough aside to cover the bill since we didn't factor in that discount that we forgot to renew. It would have been less overall since the bill is only $48.64 more than the last 6 month increment.. but I forgot to change the amount we were saving from $143 to $147 at the 6 month marker too and that compiled a bit...

Mine actually dropped a few dollars, so that was fun.

So how do we figure out how much to save each month? Just some basic Math. We figure out how much each of our policies costs for the year, and just divide by 12 to get our monthly amount.

Earthquake- $187 a year ($15.58 a month)
Homeowners- $297 a year ($24.75 a month)

"Stitch" - $702.14 a year ($58.52 a month)

"Sally" - $672.00 a year ($56.00 a month)

So we should be saving $155 a month towards insurance now

South County Boy: 2003 Ford Escort "Sally"

• Liability Bodily Injury $100,000/$300,000
• Property Damage $50,000
• $500 Deductible for Comprehensive
• $500 Deductible for Collision
• Emergency Road Side assistance 
• Uninsured Motor Vehicle Body Injury $30,000/$60,000
• Uninsured Motor Vehicle Property Damage

TOTAL: $336.00 --> Increase of $58.84 from last year.

We get a multiple line deduction, a multi-car deduction, driving safety record, California good driver & loyalty discount.

South County Girl: 2004 Toyota Camry "Stitch"

• Liability Bodily Injury $100,000/$300,000
• Property Damage $50,000
• 500 deductible Comprehensive
• 500 deductible for Collision
• Emergency Roadside Assistance
• Uninsured Motor Vehicle Body Injury $30,000/$60,000
• Uninsured Motor Vehicle Property Damage

TOTAL: $351.07 --Reduced $10.20

We get a multiple line, a Multi-car, Driving safety record, California good driver, and a loyalty discount.