Car insurance contracts are usually semiannual. The insurance company usually gives you a choice: pay the whole semiannual amount up front, or pay 6 equal monthly installments at the beginning of each of the next 6 months. Your insurance quote is for an up front amount is $542, or 6 monthly installments of $132 at the start of each month.

If the annual rate of return you'd be earning on this money is 2.5% APR, how much better off will you be at the end of 6 months if you pay up front? (Note this can be a negative number if you'll actually be worse off.)