I am saving up for a relatively new car and my AAA insurance renewal is coming up in March. I've saved up enough money to be able to pay for the insurance renewal this year in full. Some say it is better to pay in full if you can afford it. I know that if I pay in full I will not have to pay for another year, so I don't have to calculate anything out of my paycheck each month and I can focus solely on saving up for my new car. However, I will be taking out of the car fund savings and it would feel like starting over to save, and then I'd have to reconsider paying the insurance in full all over again next year, and then what would have I saved for my car fund? I am wondering what are the pros and cons of paying in full?

Also, a side question, I am considering changing my phone plan with ATT for the bare minimum as well as paying off the iphone that had been stolen from me (but sticking to ATT). What should I consider when altering my payment plan? I mostly use my phone to surf the internet as well as texting and phone calls and I know I need a smartphone but do not want to pay for a pricey phone down the road, instead, I will buy a used smartphone instead of buying a new one with costly monthly payments.

Thank you!