My auto insurance payments really hit me at a bad time of the year. I always have to make my 2nd payment in early December, so I have to start putting money back for Christmas and my car insurance a few months in advance. I really need to start looking for a better car insurance company. I pay way too much money for mine, considering the year, make and model of my car. Friends of mine pay less than half what I pay and they have nicer cars and better coverage. Maybe Santa Clause will bring me a better car insurance policy for Christmas.