Nobody wants to pay more than they have to for anything. Picking the smallest package or option available can be a good way to save money, but not always.When you buy a car you have the option to get the base model, the limited or something in between. While you may not actually NEED the leather seats, seat warmers or navigation, it’s a convenience you are willing to pay a little more to have.If you go to the car wash it’s not just a simple car wash. You have your basic car wash, deluxe or premium. Basic may get the dirt off but the premium has the wax, spotless top coat and dries the car at the end. Again, not something you really NEED but it makes the car look better and keeps the sliding doors on the minivans from freezing shut during the winter.There are many decisions we make from day to day and decide where we are willing to spend a little more for a convenience. There are definitely places where the basic just won’t cut it.Certain models of cars cannot have the cheap gas. If you do use the cheap stuff, something happens inside and the mechanic will tell you that using the cheap gas is a bad thing. It's best to pay a little more to keep your car nice and avoid inconvenient trips to the mechanic.It never fails when we get the cheap DVD player at my house, it doesn’t work after a year or so and we have to buy another one. If we just buy the better one to begin with, we would save money buying the thing once instead of two or three times.Windshield wipers in the mountains are important. If you get the cheap ones you will be go through them like my 2 year old goes through underwear. It pays to take the good ones and avoid buying more for a few years.Car insurance is another place to consider options and price. So many times people will call and say they just want the state minimum. They say they only need what is required by the state to drive. The only thing you really need to have in order to drive a vehicle, other than gas and a drivers license, is liability and not very much of it. It’s only $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $15,000 for property damage.There are many more coverage options available on an auto policy but let’s just think about the liability. If a person is driving with state minimum limits and causes a car accident, there insurance will only pay out the limits on the policy. If the claim is for a higher amount than the limits on the policy, the insurance company is done paying and the balance is that person’s responsibility. If that person cannot write a check for the amount, they could be forced to liquidate assets to pay what they are responsible for and even risk having their wages garnished.Odds are, you won’t need your insurance. You get a packet of papers in the mail every renewal and put one of them in your car because you have to. It always does happen to somebody else and everybody is somebody else to somebody else.