I've never been one to remember my dreams, but there's something about being pregnant that changed all that. Some dreams have been ridiculous, most have been boring, but last night I actually had a practical dream. I was standing on the side of the freeway in the hot Phoenix sun in August with a broken down car and in a panic about dying of dehydration while pregnant. I woke up all freaked out and concerned that we had forgotten to add roadside assistance to our new car insurance when we switched policies about 7 months ago. I remembered I paid somewhere around $1.50 per 6 months of roadside assistance and thought it was worth that small amount to have someone to call no matter where I got stranded.
So I finally went in and set up an account to "manage our policy online". I do this with everything so I have no idea why I put it off so long and didn't really double check our coverage. Shame on me! But since we saved over $250 by switching companies I thought I must have given up something I had before. Not so! I still had roadside assistance for $1.76 (phew!), but I also had something that we'd be highly unlikely to ever use: rental car coverage! Since we're a two car family with only one car we use regularly, we can almost always figure out a way to get by if something happened to one of our cars. We also have a lot of family nearby who regularly use our extra car and would be able to help us out temporarily if something were to happen. In any case, I saved $13 today by removing a coverage I didn't know I had and don't expect to utilize!
Bonus tip for saving on car insurance: increase your deductibles from $250 or $500 to $1000. It usually pays for itself over the course of a year in premium reductions, and I'd imagine you aren't likely to get in an accident annually! But if you're the type not to always have $1000 on hand for emergencies, then this probably isn't a good way to cut back on spending.
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