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Auto, home, renters, life, disability, health, umbrella, pet, and travel insurance. Carry the coverage you need and stop overpaying for it.
A small home insurance claim can raise your premium for years and cost you a claims-free discount. Before you file for minor damage, subtract your deductible from a repair estimate and compare what’s left with the extra premiums you’d pay. If the premiums come out higher than what’s left, pay for the repair yourself.
Your landlord’s insurance covers the building, not anything you own inside it. Renters insurance does, and adds liability coverage plus the extra cost of a place to stay if a fire or burst pipe forces you out, for about $15 a month on average. Get a quote this week, starting with your car insurer if you have one.
Check your homeowners or renters insurance declarations page to see whether your house and belongings are covered at replacement cost or actual cash value. Replacement cost pays today’s price to rebuild or rebuy, if your coverage limits are high enough. Actual cash value deducts wear and age first, so wherever you find it, ask your agent to quote the upgrade.
Put HealthSpring’s Medicare Supplement plans on your quote list if price comes first. Its Plan G for a 65-year-old woman came in below the median policy in all three markets we checked, and 2nd of 41 in Columbus. The company issuing them there is new to Medigap, with little complaint history yet.
Choose an AARP Medicare Supplement plan if you want the largest Medigap insurer, sold in every state, with fewer complaints than its size predicts. Don’t judge it by the price at 65, though. That price carries an enrollment discount that shrinks after 68, so ask what you’ll pay at 75 before you apply.
Get a State Farm Medigap quote if you want a local agent to handle your application and an insurer that draws few complaints. It offers no household discount, so couples should price it against insurers that do. Before you apply, ask the agent about your state’s latest rate increase.
Check whether your credit card covers collision damage and theft on rental cars before your next trip. Many cards do, but only if you pay for the whole rental with that card and decline the counter’s damage waiver. Read your card’s benefits guide first to confirm the coverage, then skip the waiver’s daily charge.
In most states, car insurers price your policy partly on a credit-based insurance score, so better credit can cut your premium. The savings won’t show up until an insurer checks your credit again. Once your score climbs, ask your insurer for a new rate based on a current credit report, and get a few competing quotes.
Treat Aetna’s Medicare Supplement plans as your second quote, not your first. For a 65-year-old woman, its Plan G ranked in the pricier half of every market we checked, and its Texas insurer drew 46% more complaints than expected in 2025. The exception is Phoenix, where its high-deductible Plan G ranks near the cheapest and premiums don’t rise with age.
Buy pet insurance for your dog or cat while it’s young and healthy, because most policies won’t cover a condition your pet already has. If you’d rather skip coverage, open a separate vet fund and transfer at least what a policy would cost into it every month.
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