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Old 07-13-2017, 09:52 AM   #1
wags
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My daughter is a senior, so in one year she will be off to college.
My son is a freshman, so just a little over a year a way from getting his license.
My wife just took a new job, and over a $10K pay cut, because she just couldn't take her job anymore.
We bought a house in March that we are renovating and adding to. The budget is blown.

So with all this in mind, I needed some good news when it comes to money. Well, I got some.

First, I am going to be able to save about $1900/yr on my auto insurance.
Second, I am going to be able to save about $1800/yr on my home insurance.
And both of these are with better coverage.
Third, I am saving about $400/yr on my family cell phone service.

This comes out to be over $4000/yr savings. I needed some good news.
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Old 07-13-2017, 09:54 AM   #2
AntlerCollector
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Congrats
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Old 07-13-2017, 09:56 AM   #3
chehunt
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Please share. What Insurance? Congrats
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Old 07-13-2017, 09:56 AM   #4
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Quote:
Originally Posted by wags View Post
My daughter is a senior, so in one year she will be off to college.
My son is a freshman, so just a little over a year a way from getting his license.
My wife just took a new job, and over a $10K pay cut, because she just couldn't take her job anymore.
We bought a house in March that we are renovating and adding to. The budget is blown.

So with all this in mind, I needed some good news when it comes to money. Well, I got some.

First, I am going to be able to save about $1900/yr on my auto insurance.
Second, I am going to be able to save about $1800/yr on my home insurance.
And both of these are with better coverage.
Third, I am saving about $400/yr on my family cell phone service.

This comes out to be over $4000/yr savings. I needed some good news.
Man you can't post stuff like this without details..

Who is the new insurance carrier(s)
What did you do to lower your cell phone bill?
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Old 07-13-2017, 09:59 AM   #5
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On the right track...... $6k more to geaux!!! More great ideas here: DaveRamsey.com

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Old 07-13-2017, 10:15 AM   #6
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Quote:
Originally Posted by wags View Post
My daughter is a senior, so in one year she will be off to college.

My son is a freshman, so just a little over a year a way from getting his license.

My wife just took a new job, and over a $10K pay cut, because she just couldn't take her job anymore.

We bought a house in March that we are renovating and adding to. The budget is blown.



So with all this in mind, I needed some good news when it comes to money. Well, I got some.



First, I am going to be able to save about $1900/yr on my auto insurance.

Second, I am going to be able to save about $1800/yr on my home insurance.

And both of these are with better coverage.

Third, I am saving about $400/yr on my family cell phone service.



This comes out to be over $4000/yr savings. I needed some good news.


I just went through the same things at my house with getting new insurance for house and cars. I also we worked my cable, cell phone and direct TV. Saved around 2,500 a year.


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Old 07-13-2017, 10:17 AM   #7
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Is that auto b4 or after adding the new driver?
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Old 07-13-2017, 10:17 AM   #8
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I wish more people would see "Annual" savings. $100 here and there really adds up. Congrats!
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Old 07-13-2017, 10:20 AM   #9
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Quote:
Originally Posted by wags View Post
My daughter is a senior, so in one year she will be off to college.
My son is a freshman, so just a little over a year a way from getting his license.
My wife just took a new job, and over a $10K pay cut, because she just couldn't take her job anymore.
We bought a house in March that we are renovating and adding to. The budget is blown.

So with all this in mind, I needed some good news when it comes to money. Well, I got some.

First, I am going to be able to save about $1900/yr on my auto insurance.
Second, I am going to be able to save about $1800/yr on my home insurance.
And both of these are with better coverage.
Third, I am saving about $400/yr on my family cell phone service.

This comes out to be over $4000/yr savings. I needed some good news.
I can easily see how you saved that on the cell phone bill..switch from verizon to Cricket, T-mobile, or sprint etc... But on the insurance, there would be a very slim chance that you saved that much AND kept coverage's the same (much less better). Unless of course you were getting hosed for awhile ... There is just not that much room between carriers right now for that kind of chopping.
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Old 07-13-2017, 10:36 AM   #10
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Originally Posted by jlp04c View Post
I can easily see how you saved that on the cell phone bill..switch from verizon to Cricket, T-mobile, or sprint etc... But on the insurance, there would be a very slim chance that you saved that much AND kept coverage's the same (much less better). Unless of course you were getting hosed for awhile ... There is just not that much room between carriers right now for that kind of chopping.
Nope, I stayed with AT&T. And nope to the insurance also. I had USAA, and I don't think they are in the business of "hosing" their clients. Trust me, I was making sure I was comparing "apples to apples" when it came to coverage.
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Old 07-13-2017, 10:39 AM   #11
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Who did you switch too? I'm not saying it's not out of the realm of possibility, but it's usually a case where you have been paying too much for too long.
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Old 07-13-2017, 10:43 AM   #12
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I think most of us could save money if we really look closely at how we spend on our needs and our wants.
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Old 07-13-2017, 10:47 AM   #13
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Originally Posted by jlp04c View Post
I can easily see how you saved that on the cell phone bill..switch from verizon to Cricket, T-mobile, or sprint etc....
Yep Im jumping ship this week from AT&T to Cricket saving 180 a month by doing so.

Saving $2160 a yr not too bad
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Old 07-13-2017, 10:49 AM   #14
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Originally Posted by justintyme8303 View Post
Yep Im jumping ship this week from AT&T to Cricket saving 180 a month by doing so.

Saving $2160 a yr not too bad
Me too.. I'm dumping Verizon.. Moving to cricket, going to save $100/month
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Old 07-13-2017, 10:50 AM   #15
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Quote:
Originally Posted by justintyme8303 View Post
Yep Im jumping ship this week from AT&T to Cricket saving 180 a month by doing so.

Saving $2160 a yr not too bad
What's the downside to this? Are you still going to have a smart phone with data plan?
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Old 07-13-2017, 10:56 AM   #16
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I'm always amazed at how much money people spend on TV, i.e cable or satellite.

That is a good area to cut spending, while freeing up a lot of time too.
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Old 07-13-2017, 10:59 AM   #17
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Congrats, every bit helps!
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Old 07-13-2017, 11:02 AM   #18
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Look at your electricity contract, I was able to shave quite a bit when I looked at what I actually used and shopped around.

Cut the cord on cable.... ( many threads on that)

Pay attention to old food you are throwing out. Some people have no idea how much money they waste throwing out expired/old food.

Car maintenance stuff, trying to do most of it yourself. Especially oil changes, those are super easy and IMO actually faster by the time you drive to place, wait, and drive back home.

Check for prices of general stuff you buy at the store, online. There are times you can get certain products shipped to your house cheaper than buying at the store. That saves time + money. (think about the cost of the trip as well -- gas, wear and tear on the car, risk of door dents, etc. etc.)

I am assuming you do yardwork yourself? (or your son!)

Before you buy stuff, GOOGLE it!! It is shocking how frugal people are out there. There are an insane amount of ways to save money. One slightly odd one that comes to mind is teeth whitener strips. Those are EXPENSIVE. Well guess what, you can gargle hydrogen peroxide and get the same thing done for pennies on the dollar. (yes, hydrogen peroxide is an oral debridging agent -- it is right on the bottle)
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Old 07-13-2017, 11:08 AM   #19
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Nope, I stayed with AT&T. And nope to the insurance also. I had USAA, and I don't think they are in the business of "hosing" their clients. Trust me, I was making sure I was comparing "apples to apples" when it came to coverage.
So you stayed with the same companies and same coverage / services. What did you do to get the savings?
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Old 07-13-2017, 11:31 AM   #20
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Quote:
Originally Posted by wags View Post
Nope, I stayed with AT&T. And nope to the insurance also. I had USAA, and I don't think they are in the business of "hosing" their clients. Trust me, I was making sure I was comparing "apples to apples" when it came to coverage.

If thats really true, no drop in coverages, etc. that screams that theyve been hosing you for years and years and are just now dropping your rates "because youre a loyal customer" to keep you on the books

Seen it happen way too many times since ive been an insurance agent. Now I cancel peoples policies for them if they switch to my company.

Other variables would be if they excluded your daughter if shes going away to college and not taking a car with her.
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Old 07-13-2017, 11:43 AM   #21
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What's the downside to this? Are you still going to have a smart phone with data plan?
Same smartphones if you have AT&T just get new SIM cards or you can get new phones they offer. The plans you see online include all fees so if you choose the $40 plan you pay $40. Plus if you go over the data plan you choose they dont charge you for another Gig the just slow your service like from 4G to 3G until new cycle starts is what i understand.

I told AT&T i was moving over to save since they could not lower /match the rate. I told the girl they run off your towers anyway she said true but AT&T customers calls get preference if tower is full. Don't think that is the case but ill take that chance with all the towers over lapping in coverage I'm not worried. Worst that can happen is call drops and you call them back.

My BIL has been on for a few months now loves it.

Last edited by justintyme8303; 07-13-2017 at 11:46 AM..
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Old 07-13-2017, 11:55 AM   #22
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Quote:
Originally Posted by wags View Post
Nope, I stayed with AT&T. And nope to the insurance also. I had USAA, and I don't think they are in the business of "hosing" their clients. Trust me, I was making sure I was comparing "apples to apples" when it came to coverage.
Come on with it!
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Old 07-13-2017, 11:59 AM   #23
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So who did you go with because I have USAA for both of our cars, house and valuable personal property and they sent me a letter last month that they my rates are going up even though we haven't had any claims

I've been with USAA for 17 years but I'm shopping for new companies
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Old 07-13-2017, 12:22 PM   #24
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Originally Posted by justintyme8303 View Post
Same smartphones if you have AT&T just get new SIM cards or you can get new phones they offer. The plans you see online include all fees so if you choose the $40 plan you pay $40. Plus if you go over the data plan you choose they dont charge you for another Gig the just slow your service like from 4G to 3G until new cycle starts is what i understand.

I told AT&T i was moving over to save since they could not lower /match the rate. I told the girl they run off your towers anyway she said true but AT&T customers calls get preference if tower is full. Don't think that is the case but ill take that chance with all the towers over lapping in coverage I'm not worried. Worst that can happen is call drops and you call them back.

My BIL has been on for a few months now loves it.
You convinced me. My wife will be tougher to convince
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Old 07-13-2017, 12:41 PM   #25
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So who did you go with because I have USAA for both of our cars, house and valuable personal property and they sent me a letter last month that they my rates are going up even though we haven't had any claims

I've been with USAA for 17 years but I'm shopping for new companies
Did your home value with tax office go up? I have heard alot of people saying their policy went up and when they call to ask why it was due to that. They are adjusting the coverage to cover the new value is all i can figure.
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Old 07-13-2017, 12:46 PM   #26
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So who did you go with because I have USAA for both of our cars, house and valuable personal property and they sent me a letter last month that they my rates are going up even though we haven't had any claims

I've been with USAA for 17 years but I'm shopping for new companies
Somebody has to pay for his cut in fees!

Seriously though, spill the beans. I'm curious how you saved that much at ATT alone.
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Old 07-13-2017, 12:50 PM   #27
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Did your home value with tax office go up? I have heard alot of people saying their policy went up and when they call to ask why it was due to that. They are adjusting the coverage to cover the new value is all i can figure.
It went up a little from that but there should be no reason for my car insurance or the vpp policy to increase
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Old 07-13-2017, 12:53 PM   #28
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taking the kids off the plan maybe?
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Old 07-13-2017, 01:00 PM   #29
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Somebody has to pay for his cut in fees!

Seriously though, spill the beans. I'm curious how you saved that much at ATT alone.
He must be running the numbers again!
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Old 07-13-2017, 01:07 PM   #30
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Somebody has to pay for his cut in fees!

Seriously though, spill the beans. I'm curious how you saved that much at ATT alone.
He is only saving 33 a moth if you call and say your gonna switch i bet they can lower your bill that much. In my case they said no way can we lower your bill by 180 a month to match Cricket.

Normally with AT&T the additional lines are like 40 a month its the main line that cost the most. The key is talk to customer retention they have way more power than the reg customer service. I did it last year told them im going to sprint they gave a me a $25 credit per line. We have 5 lines so lowered my bill 125 a month! When I called this time the rep could see my $25 credit and it had no expatiation date and was amazed they could even do that.

Last edited by justintyme8303; 07-13-2017 at 01:11 PM..
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Old 07-13-2017, 01:12 PM   #31
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If I saved $1900 on Auto and $1800 on house insurance in one year that meant I quit paying for both. I'm not sure how you managed that without WAY overpaying. By the way that's on 2 new vehicles and a $200K value house. Nothing insane, but dang sure not cheap items.

Tell us how you managed this.
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Old 07-13-2017, 01:20 PM   #32
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That's great. Working on restructuring our budget to save some cash now. Not an easy task.
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Old 07-13-2017, 01:29 PM   #33
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I saved $6K a year by not buying a new truck......$12K by not buying a new dodge!
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Old 07-13-2017, 01:31 PM   #34
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The key is talk to customer retention they have way more power than the reg customer service. I did it last year told them im going to sprint they gave a me a $25 credit per line. We have 5 lines so lowered my bill 125 a month! When I called this time the rep could see my $25 credit and it had no expatiation date and was amazed they could even do that.
We tried that last August and they said "we are sorry to lose you after being a customer for 17 years." I was with them since it was Cingular or whatever it was called before AT&T. But they refused to give us any kind of a break. We have 3 phones; mine, my wife's, and we have one for her mom. Now we are Sprint customers. Service is actually much better here in TX than it was up by Pittsburgh PA.

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Old 07-13-2017, 01:38 PM   #35
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If I saved $1,900 on auto and $1,800 on homeowners insurance with the same company with better coverage, they would owe me money. My auto is with two cars for two people and $300k value on the house. Maybe the OP has a huge house and the $1,800 decrease is just a small percentage, but if not, I would also love to see the apples to apples comparison if it was a "normal" size house. Something just doesn't seem right that someone wasn't getting hosed, but I have been wrong before.
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Old 07-13-2017, 01:43 PM   #36
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He is only saving 33 a moth if you call and say your gonna switch i bet they can lower your bill that much. In my case they said no way can we lower your bill by 180 a month to match Cricket.

Normally with AT&T the additional lines are like 40 a month its the main line that cost the most. The key is talk to customer retention they have way more power than the reg customer service. I did it last year told them im going to sprint they gave a me a $25 credit per line. We have 5 lines so lowered my bill 125 a month! When I called this time the rep could see my $25 credit and it had no expatiation date and was amazed they could even do that.
I will have to try this. Thanks!

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Old 07-13-2017, 01:51 PM   #37
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Wow, congrats! but the dollars don't really apply to me. I'm with Progressive (shopped a few years ago).

1. $1400 for homeowners (3100 sq ft in city of Dallas with a monitored alarm)
2. $1800 for auto (full coverage on 2016 4runner and 2008 sequoia) which went up b/c the wife got a speeding tickets. No kids driving yet!

I agree with some comments on electricity. I switched to Source Power and Gas and my highest bill this year was $140. I already cut Uverse. i still have one phone on verizon but can't really justify cutting that - i get my phone paid for work through at&t and the coverage is noticeably worse than verizon. i put those savings toward someone to mow my grass and a house cleaner twice a month - life changing stuff (and more time for hunting)!
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Old 07-13-2017, 02:11 PM   #38
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My first question is how much were you paying for homeowners insurance?!?! WOW. I have an expensive house and if I knocked $1800 off my bill I'd be paying next to nothing.
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Old 07-13-2017, 02:15 PM   #39
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I just cancelled cable, and now have internet only using netflix and other streaming sources. Gonna save me 1800 a year by dropping cable.
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Old 07-13-2017, 02:16 PM   #40
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Also switched from sprint to straight talk saving me 1,740 a year
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Old 07-13-2017, 02:45 PM   #41
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I just cancelled cable, and now have internet only using netflix and other streaming sources. Gonna save me 1800 a year by dropping cable.
Thats next on my list
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Old 07-13-2017, 04:04 PM   #42
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I will answer questions when I get the opportunity...too busy at this time. But I would imagine most people who are saying it doesn't add up, don't have a teenager on their insurance.
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Old 07-13-2017, 08:18 PM   #43
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To the OP, Thanks. Looking at this post got me asking questions that I don't ask or think I don't have time for. I just change my business land lines and internet at the shop from AT&T to Spectrum and will save around $210 a month. All companies will get you over time caz they know it's human nature not to want change. Next order of business : is my cell phone bill been over $ 450 a month for 5 phone lines...... That's going to change quick. I will looking at everything in the next week or two to try and save more.

Thanks again!

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Old 07-13-2017, 11:03 PM   #44
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congrats dude
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Old 07-13-2017, 11:11 PM   #45
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I saved 17% on auto insurance by actually following up on good student discount for my kid.
I couldn't believe I was whizzing away that much for not sending a dang transcript in


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Old 07-13-2017, 11:34 PM   #46
trophy8
Pope & Young
 
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Join Date: Dec 2006
Location: Georgetown Texas
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Your home insurance is insane. I pay about $600 per year on a brand new 1800 square foot DR Horton home. I realize its not a $500k house but that's nuts man.
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