Annual, quarterly or monthly insurance payments?

Yup annual insurance payments are the way to go, as you'll normally save a reasonable amount on your yearly insurance premiums. Monthly payments will usually set you back the most, with quarterly payments sitting somewhere between the two. If you've got multiple items like home, auto, and life insurance all through one company, you'll save money there too - but of course the total combined annual cost can still be a difficult one-off payment to make for some households. I'd really recommend you do this however, if possible.