u/LayzurBeam

As titles says - I'm looking for the next steps for insurance after making the final payment on my vehicle. Specifically, I am looking to save money monthly while also having a good coverage.

Financed through the bank so I needed to have full coverage on the vehicle, since I am a payment shy of paying it off I am considering bringing the insurance down to lower my monthly expenses and pay off debt faster. A few questions come to mind.

-Is it worth it?
-Is there a lower plan through Geico that will still give me good coverage(roadside)?
-Is there anything I need to do even if I want to keep the same coverage after sending out the final payment?

I will be reaching out to Geico when I have the time, but I figured I'd make a quick post here for any advice!

Asking high level crafters / anyone experienced in crafting.

What's the best approach for concentration use in a gold making perspective?
Is it saving it for peoples personal crafting requests?
Or spending it creating higher quality crafting mats, then auctioning?

I maxed out Blacksmithing for my own personal crafts - then realized the gold there is to be made crafting other peoples personal requests in the trade chat. Although its far and few, its a nice boost of ~10k when someone needs a craft.
But I've ran into some situations where I've burned through my concentration crafting mats when someone needs a craft - and at the slow rate it builds back up it just feels bad that the opportunity was missed.
I've taken the approach of not using concentration to make higher quality mats - but when I don't have a crafting order for over a day I feel I'm wasting the concentration when I could've spent it and then had it refill over time.

Is there an all out right approach to concentration use? Or maybe a happy balance of using some on crafting orders and mats?
PLZ HELP D: