Time to admit to being a dunderhead: I've been way overpaying for auto insurance for the past few years. Worse, I discovered that I didn't have coverage I needed (uninsured driver) and was paying for insurance I probably didn't need (collision). All of this cost me $98 a month, or $1,176 a year. Confession is good for the soul, but it's embarrassing when done in print. I'm doing so in hopes of inspiring readers to check their own policies and make a few calls. As incentive, let me point out that my new plan will save me almost $700 a year. Like I said: way overpaying. How much per month? I've had the nagging feeling that I could do better. But life has been so hectic that "get insurance rate quotes" kept getting pushed to the bottom of the to-do list. When an Allstate ad sheet was delivered with the newspaper, I decided it was time to deal. An Allstate agent here in Seattle told me I could combine renter's and auto insurance for a total of $1,056 a year, or about $88 per month for both
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