Whenever you pay your car or home insurance, be it after bonus time at work or before school enrollment for the kids, it will still cost you and you will still feel robbed somehow. But these are necessities and not really luxuries that we have to really save for and allot a budget for.
One way we can save money with these things is to look for a company that offers both (and other insurance you might need). Many insurance companies offer multiple policy discounts to their customers as an incentive. This also means you get to save on two or more annual fees which can add to your personal savings or be redirected to maintenance and beautification purposes of your home and car.
Just compare what reputable companies offer and don't be shy about asking your agent for them.