The day you turn 25, be sure to call your car insurance provider. If you haven't had an accident yet, you are eligible for a better ranking that is only available to those older than 25.
As well, if you pay your car insurance monthly, you are actually paying interest on a loan to your insurance company. I bet they didn't tell you that, did they? Just another example of an additional cost of not having enough money.
Anyways, the numbers:
before: $1200/year broken into monthly payments
new policy: $880 paid annually
Savings: $320/year!
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