Tips on Saving money on your car insurance in a recession

So i have been trying to lower my bills all around and one thing i thought i would tackle was my auto insurance. With a decrease in salary and one of our family laid off, i decided to call my Allstate agent and see if i could lower my monthly insurance bill. They had a few options for me one was the value plan which i signed up for and got a huge discount immediately. One of the requirements was to sign up for online auto deductions from my debit credit card. This saves on paper mail and having to write bank paper checks as well. The value plan does eliminate your good driver discount rebate checks as part of the program and it doesnt lower your deductable like the other plans do. So its a trade off for a lower monthly payment. Also if your car is older and paid off with no loan or lien holder you can put just liability on in some states just dont get into an accident. This is ok is you have a clunker and dont want to pay the larger collison policy. This is not a good idea on a newer car and isnt allowed on a car with a bank loan. I also made sure to let them know that i had AAA and an alarm on our new Kia Soul to get a little more of a discount. You can also shop around try calling Geico or Progressive or State-farm insurance and see what a comparable auto policy will cost you its worth the time to call especially if one of the bread winners is out of work and has the time. You can bundle your home owners or renters policy and get a break an all of them if you use one company!

High Gas prices use Gas points at Stop and Shop

With gas prices going up and up with no end in sight. Here are some tips to save fuel and reduce the cost of it.

First i plan my weekly trips to avoid excess driving try to be efficient with your driving plan your driving and try to avoid excess trips. I emptied out both of my vehicles of any excess weight. I also inflated my tires a little bit more than normal. Lately i have been using the coupons at Stop & Shop for gas points and then i scan my stop and shop rewards card at Shell gas stations and can save up on each gallon depending on how much you spend at S&S its important to scan your s&s card before you use your debit to see if you get a discount. also there is a cool website that shows you the cheapest station near you i find Hess to be cheapest near me but they dont take s&s discounts so i usually use Shell if have shopped at the grocery that week. I also recently bought a YAmaha 50cc it Vino Scooter it gets 90mpg. I can't go on the highway but i use ut fir running around the city it can go 45mph see if you can find a used one in good shape and be sure to look up the local regulations in your area for scooters. in my state you don't need a motorcycle license to drive one if its 50cc. Its also a good idea to keep a few cans of gas in your garage in case theres a shortage and you need a top off or for your generator. I would rotate the gas and use it as gas doesn't keep as long as it used to, with all the additives they use today. Thanks for reading and BE PREPARED for any emergency!