Raise your deductibles as high as you can afford. Your coverage will remain the same, but your policy premiums won’t—they’ll be much cheaper!
For example, jewelry and fine collectibles on your home insurance; rental car coverage on your car insurance. Remove unnecessary coverage and enjoy the savings!
Most insurance companies offer senior, group, corporate, alumni, or profession-specific discounts. These discounts are sometimes not publicly shared.
Ask about discounts
When purchasing insurance or applying for a mortgage, you’ll often do better by working with a broker. Brokers can access quotes from multiple companies.
So many banks now offer fee-free accounts. There’s no longer any reason to use accounts with fees or minimum balance requirements.
Keep[ in mind that fee-free bank or investment accounts may still have hidden charges. You could incur them if you’re not aware.
Call your bank or brokerage to plead your case if you slip up and are charged an account or transaction fee. Often, they’ll offer a one-time fee waiver.