Recommendations:

1. Do an insurance check-up at least once a year:   Auto, Health, Life, Home
2. Do it online

Annual Savings Potential:   Hundreds of dollars

Discussion  An annual check of your insurance coverage is important for several reasons.   You may be paying too much for the insurance coverage you have, or you may have too much (or too little) coverage for your current needs.    Do an online comparison — not only will you often get multiple quotes, your information can be saved to make it that much easier to check later on that you are getting the most for your money.   Since most insurance is regulated by state, you will get the same quote for a particular company whether you get the quote online or through a more traditional storefront agent.

The recently upgraded AT&T Universal Savings & Reward Card offers up to $100 reimbursement (after a $50 deductible) if your cell phone (any carrier) is lost or stolen. This won’t fully cover you if you have an expensive phone, but it could be useful for many of us. This benefit comes at no cost when you get the Card. Some restrictions apply; see the offer for full details.

The AT&T Universal card has no annual fee and offers a 0% introductory APR on balance transfers for 12 months. To apply, click here.