You might never need to use your insurance coverage, but if you do, you really need it. Going without might seem like a calculated risk, but if you're not willing to pay for a new home, a vehicle, or a doctor bill entirely out of pocket, you want to have an insurance company willing to back you up in a crisis. Plus, if you have a mortgage or auto loan, your lender will likely require proof of insurance.
Technically, your insurer sets the price of your policy, but there's a lot you can do to ensure you get the coverage you need at a reasonable cost. Here are 10 tips to get you started.
Our credit card expert uses this card, and it could earn you $1,148 (seriously)
As long as you pay them off each month, credit cards are a no-brainer for savvy Americans. They protect against fraud far better than debit cards, help raise your credit score, and can put hundreds (or thousands!) of dollars in rewards back in your pocket each year.
But with so many cards out there, you need to choose wisely. This top-rated card offers the ability to pay 0% interest on purchases until late 2021, has some of the most generous cash back rewards we’ve ever seen (up to 5%!), and somehow still sports a $0 annual fee.
That’s why our expert – who has reviewed hundreds of cards – signed up for this one personally. Click here to get free access to our expert’s top pick.
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