Not because SCB has a full time job...
but because we put a little money aside each and every month (like we would for any bill) and pay it into a savings account marked insurance... that way we don't have to scramble for the money when the bill actually comes through 6 months down the line in November and May... which are expensive months for us with Christmas on the horizon in November... and us having to recover from my birthday, SCB's birthday, and mother's day, which always fall in a 2 week period of each other at the end of April/May.
Before I started doing this (budgeting money into savings), i'd always freak out and panic at having to part with a few hundred dollars suddenly out of no where... But now we don't have to worry.
South County Boy: 2003 Ford Escort "Sally"
We get a multiple line deduction, a multi-car deduction, driving safety record, California good driver, loyalty discount, and a low annual mileage discount ... which apparently is equal to $838.24 in "discounts."
South County Girl: 2004 Toyota Camry "Stitch"
We get a multiple line, a Multi-car, Driving safety record, California good driver, and a loyalty discount... which apparently saves us $741.64