Well, I feel like I found a billing loophole on my car/home insurance. Like many insurance plans, you can pay up front and avoid the $3 per month service charge. I am not at the point where I can pay in full, but I was able to get ahead of the payments. The last time they billed me was in March. It currently shows my next payment is due at the end of June. I have been paying a decent size flat amount each month, much more than the amount due. I just made my usual monthly payment, so it seems this will just push my next "due date" to the end of July. By paying this way it appears I am still able to pay monthly and I am avoiding the $3 monthly charge!! AND... the policy will be paid off 3 months early.