For some reason that I don't even remember, I got in the habit a few years ago of not paying the auto insurance bill in full every 6 months. There was probably some short-term cash flow situation at the time that made me do that initially, but I never stopped. I didn't go monthly but did usually divide the total into 3 payments. But each time I did, I got dinged for a $3.50 fee. I know it was stupid to pay a fee I didn't need to pay, but nobody's perfect.
My latest bill came today and I just logged on to their site and submitted full payment with my Marriott Visa. So I'll save $10.50 in convenience fees over the next 6 months as compared to splitting it into 3 payments. Plus I'll get the usual reward points for using the CC (which I did anyway, even with the split payments).