I was so confused. I get online and check my history. I'm seeing all sorts of credits for the $1 service charge I incur by making my payments monthly. Then I see a note saying my policy has been paid in full.

Ooooo....kkkkk

I call them up on Wednesday.

Apparently, I have been moved into the preferred customer air. According to the oh so chipper rep, due to my excellent history w/them as well as my stellar credit, I got bumped.

Hoe. Lee. Shyt.

But what does that all mean to Debt Free Renee in cold hard cash?

My old policy was $769/6 months. It is now $339!!! I'm saving $430/6 months or $860 a year. Not only that, I toyed w/reducing my insurance once the car is paid up. Just imagine if I get the basic bare bones policy...it'll be even less. Though @ this price, I'm going to leave it as is.

And it gets better.

That credit, of $283, is going to be mailed to me. Where's it going you ponder? Right to my car loan of course ;)

I'm going to continue to Act As If I pay $125/mo on my car insurance and just tack the difference onto my 10% snowball. If I guesstimate the 339, it'll be about $55 a month...but wait...there's even more ;)

Now that it's $339, I'm going to pay it all in one shot. In all the years I've had a car, I've never been able to pay my car insurance in full. So I'll also save $6 or $12/year and you know where that money is going dontcha?

Of course you do, you've been reading this blog too long. It too is going right to the car loan. I'm telling you. No amount is too small. No amount. :D