I'm a firm believer that we should once in a while shop around for our insurances and review everything we have to make sure we are well covered.

Last week I called the car insurance compagny to review what we had and to make sure it corresponded to what we needed. It turned out we had a full insurance (like if it was a new car) on a 1998 volks worth about 3000$ if we're lucky. I told the lady I wanted to have the lowest insurance possible and we are now saving 30$/month.

Next we meet with the life insurance lady. Since we had a second child and now that I'm a SAHM we had some changes to make. While talking with her I mention that we also have a life insurance on our mortgage. She then says that we really don't need it since we have a full life insurance with what we have with her compagny. So I cancelled the insurance on the morgage and we are now saving 7$/week.

We're talking about 700$+ in savings per year.

Just something to get you girls thinking !!!

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MARIE --- MOTHER OF TWO ANGELS (MOST OF THE TIME )

we recently just switched to safe auto, best thing we ever did!! its so much cheaper than what we were paying elsewhere, and at the other place we only had 3rd party, now we have full.

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stay at home mom to my crazy toddler with sensory issues

I have full coverage on my car, simply because I need to get as much money out of it is something happpens to it.

When I was hit my a semi truck last year, the company totaled the car out, and if I hadn't had full coverage on it, I wouldn't have gotten a dime for it.

I am thinking about upping my deductible to $500 instead of $250.

Another thing to talk to your insurance agent about is your liability or 3rd party limits. Many people only have what is required by the state, and in many states, that limit is very low. I am an insurance agent in Texas and our state only requires liability limits of $20,000 per person, $40,00 per accident, and $15,000 for property damage.

If there is a serious accident, the medical paymentst could be much more than $20,000 per person and there are a lot of vehicles on the road these days that would cost much more than $15,000 to replace should they be totaled out.

Increasing your liability limits a little bit usually does not increase your premium much, (with the company I work for, it is about $4 dollars more per vehicle on the policy per month) and it could save you a lawsuit in the future.

Also - if you haven't done it already, ask your agent if the company you are with offers a discount on your policies if you have both you home and auto insured with the same company. Many of them do and it is worth checking and getting the discount if you are not already.