What you actually need vs. what they're trying to sell you.
Required by law in most states. Get liability at minimum. Consider comprehensive if your car is worth it.
Protects your stuff. Renters insurance is cheap (~$15/month) and worth every penny.
One medical emergency can bankrupt you. Don't skip this one.
If someone depends on your income, get term life. Skip whole life — it's usually a bad deal.
Protects your income if you can't work. Check if your employer offers it first.
Usually overpriced for what they cover. Save the money instead.
Your credit card probably already covers you. Check before buying.
Payment protection plans are almost always a waste.
Shop around every year. Loyalty doesn't pay — switching insurers can save hundreds. Same coverage, different price.
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