Do you ever find yourself looking for ways to trim your monthly expenses? Perhaps the XM subscription could go, or maybe the cable is finally up for consideration (that home phone line went bye-bye years ago). Or maybe, that money-sucking-always-increasing-car-insurance-policy could use a scalpel. Tempting? Sure. But, before you throw it on your table and go all Dexter Morgan with it, you’d be wise to familiarize yourself with the basics behind all those big numbers. Before we go down that rabbit hole, there’s a secret I’m going to let you in on. Your car insurance rate has much more to…