<prompt> Human: Ill be receiving a refund check in some weeks for a little over 1,600 dollars. Ive needed to get insurance on my car and because Im 19 the monthly costs are going to be absolutely outrageous, so I was wondering if it would be more wise to just use that money and buy the policy outright. Or if not, then please explain why. Thank you.  <response>: You usually get a discount for paying for the policy in full upfront instead of paying monthly installments. Just shop around and get a good policy that meets your needs. 