Oh one thing I forgot to mention! I just lowered our household car insurance bill by $1000/yr just by dropping a tiny part of our coverage. Way back in 95 when we were first married our agent offered us extra PIP coverage for not a lot of extra $. It offered income continuation for up to $700/week (max) if we were unable to work due to injuries resulting from a car accident. Also it provides $$ for "essential services" such as housecleaning, snow removal, etc if you're unable to do those too. The income continuation limited to a max of $72,000 per insured person on policy. For a little more, we could opt for "unlimited" so as to not be cut off after 72k payout.
Back when we young & were sooo living check to check, it offered a lot of peace of mind. Probably didn't help that I was working in our trauma center then too so seeing that kind of thing every day kind of skews your viewpoint a bit. Well over the years, changing cars, changing ins. companies, adding kids, adding more cars, we always kept the same coverage without really looking at it.
I got to thinking, really, what are the odds of being in an accident bad enough to leave us unable to work more than 2 years. (Two years is the max of 72,000 divided by $700/week, the max weekly payout.)
So just by changing our coverage from "unlimited" to "limited to 72,000" that knocked $1000/year off our bill.
That included all 4 of our cars so really $250 per car per year.
So now our biweekly amount to send to our Ally Car Ins account is $67 instead of $90. Also since ds19 is my biweekly housecleaning service in exchange for his car ins, I only have to send that acct $85 instead of $95.
I realize they're not huge amounts but it adds up over time. $858/yr to be exact.