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“Low wintertime demand for gasoline has helped push the price of fuel in Rhode Island down for the second straight week,” according to AAA Southern Rhode Island.

AAA’s Jan. 21 survey of local stations found the average self-serve price for regular unleaded was $3.079 per gallon, 4 cents less than in the Jan. 14 survey and 6 cents less than on Jan. 7, though still 72 cents above the year-ago average of $2.359.

Nationwide this week, the average self-service price for unleaded regular plunged 10 cents to $3.019, or 6 cents below the average price in the Ocean State. [...]

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Before making any changes, however, check with your auto insurer.

Look at ways to lower your auto insurance. Increase the deductibles, if possible, to lower premiums. If you're a AAA Auto Club member, for instance, remove the towing charge on your auto policy. Why have towing when it's already covered by AAA?

If you're adequately covered by health insurance (such as an employer-sponsored health plan), remove the medical payments line item charge from your auto policy, which can reduce premium costs. Before making any changes, however, check with your auto insurer.[...]