I thought I was being frugal with the bills.
I have a second savings.
ok just a suggestion, but could you possibly start stashing your $1 bills?
Good luck either one is good to go.
About car insurance
I had progressive. I had a car accident and the other driver had no insurance and drove off. They paid for my accident and didn't raise my rates. Was very happy.
We have Geico now. I think they take a little longer on the claims but they were $75 a month cheaper and for $75 a month - well...
Next year once my car is paid off and we have a little bit of money in the bank, we will be dropping to liability only.
Good luck. It will get better.