Cutting what you don’t need

Recently I received my AAA membership renewal bill. I’ve been a member for over 10 years and quite used to these renewal letters. Looking the renewal letter over, I suddenly remembered that this is of no use to me now.

My wife and I currently have AAA Plus, which costs $121 to renew according to the letter. This was important when we had used cars that weren’t the most reliable. Generally we would use the towing coverage once or twice a year, which would just about pay for the membership. They always have been fast in response times and very helpful. Yet, we don’t have used cars anymore. In July 2009 we bought a  2009 Hyundai Elantra. In October 2010, we bought a 2011 Subaru Legacy.

This renewal letter reminded me of something that had been mentioned in passing when we bought both of our cars new. Both manufacturers included roadside assistance with the cars. In the case of Subaru, roadside assistance is included in the 3-years/36,000 limited warranty. For Hyundai, their roadside assistance is 5-years/unlimited miles.

That reminder is going to save me $120 per year for at least 3 years. Maybe once the Subaru’s coverage expires we will revisit getting AAA coverage. Since the Subaru’s coverage runs out first, maybe I would then get just a single membership for my wife (since she drives that car the most). I could never remember to use the AAA discounts or other perks of the membership, so we weren’t earning back the money for this membership.

This is a good reminder to keep track of what perks you get when you purchase certain items. Because I remembered that we have roadside assistance via the car manufacturers, we are saving at least $360 over the next 3 years not renewing our AAA membership.

Shopping around saves money

I decided to take a 4 day weekend due to my 28th birthday today. It is the first time off I have had since September. Part of my yearly routine around my birthday is to get my cars registered and inspected, just like millions of others in the USA. It also becomes an important lesson on why it is important to shop around.

Seeing that one of my cars is just 10 months old, for the first time that I can remember I had no anxiety about a car passing inspection. That was easy. The other car, the recently paid off 2002 Subaru Forester, is another story. It is starting to show its age but seems like it is in overall good shape. The Forester passed inspection fine, but the garage I had brought it to (Firestone) said that I would probably need new struts real soon, which costs $1300.

Given that they weren’t necessary to pass inspection, I passed on getting the struts replaced right there. I knew I had to shop around and just get an idea if that is a good price. I wasn’t even thinking at that point whether I actually needed the struts replaced.

One thing I haven’t found since I moved to Manchester, NH is a car garage that I could trust. Looking around online and asking some friends, I stumbled across Brutus Auto Repair & Service. I gave them a ring and the nice guy on the phone told me to bring the car in today and he will take a peak.

I am so glad I shopped around. He put the car on the lift, showed me what he could see. He said he saw no reason to replace the struts right now, the back struts look in excellent shape for their age and the front ones could go at least another year. Firestone lied to me. Right there, he saved me $1300.

What he did see is I should probably get new front brakes soon as they are close to being worn out. He said it was close enough that he could see an argument for the brakes failing inspection. Looking at them and him showing me the various parts of the brakes, for the first time I felt comfortable with a car garage in Manchester, as he clearly explained what was wrong with the brakes. While it would cost several hundred dollars to replace the brakes, given that I once lost my brakes before, I wasn’t taking any chances with that. Plus they were probably the original brakes on an 8 year old car, they are probably about due for replacement in any case. I signed up for the work to be done on Friday. He also is going to fix an annoying loud rattle I could hear when the car accelerates.

Lesson is, always shop around and find someone you can trust.