Insurance Premium $200 less

My 6 month car insurance premium is due in February. In August I paid $546.44 which was supposed to be the 6-month premium for August to February, but it’s looking like I paid $70 extra, so I had a $70 credit on my account.

I just got my statement for February to pay the next 6 months, and they are only asking $341.16 which is $205 -less- because they also give an Auto Dividend which knocked an additional $30 off as well.

Now I put $48 a paycheck away into my account just for my 6 month car insurance premium. That allows me to save up $615 for every 6 month premium (so I’ll have a little excess). That means I’ll have an extra $273.84 in there in January, which I’ll probably put towards my dad’s loan. I’m still trying to decide whether to lower my $48/paycheck payment to myself to account for this new 6 month premium, or leave it as is in case it ever goes up.