{"id":26905,"date":"2026-04-24T05:59:09","date_gmt":"2026-04-24T05:59:09","guid":{"rendered":"https:\/\/didebta.com\/?p=26905"},"modified":"2026-04-24T05:59:10","modified_gmt":"2026-04-24T05:59:10","slug":"a-tip-from-dave-that-could-save-you-money-and-headaches","status":"publish","type":"post","link":"https:\/\/didebta.com\/?p=26905","title":{"rendered":"A Tip From Dave That Could Save You Money (and Headaches)"},"content":{"rendered":"
\n

\u00a0\n <\/p>\n

Insurance Isn\u2019t Like Fine Wine . . .<\/h2>\n

A lot of people treat their insurance policy like a bottle of red that just gets better with age. Spoiler: Insurance doesn\u2019t work like that.\n <\/p>\n

Never taking a second look at your insurance policy is a mistake that could cost you. That\u2019s because you could be missing out on new discounts (or lacking new coverage) that apply to your current life situation.\n <\/p>\n

Did Junior get good grades this semester? Did you get married recently? Do you have a different commute these days? All of these are good\u00a0reasons to check your insurance policies and find out if your coverage needs have changed along with your life.\n <\/p>\n

Get a Clear Action Plan for Your Insurance<\/h2>\n

Right now, you could be shelling out too much cash for insurance. Our Coverage Checkup will tell you what kinds of insurance you need and don\u2019t need based on your situation. How does it work? Well, here\u2019s a deep dive on the whole plan. But for now, we\u2019ll give you a quick breakdown.\n <\/p>\n

First, if you\u2019re new to the checkup, you\u2019ll answer a few questions about where you\u2019re at with your current coverage. (If you\u2019re a returning user, your previous answers will be stored for future coverage needs and updates.) Based on your answers, we\u2019ll generate a Coverage Checkup action plan for you that identifies what to keep, add or nix.\n <\/p>\n

But we don\u2019t just leave you with the bare facts. We show you exactly how to get busy connecting with RamseyTrusted\u00ae<\/sup> pros who can help you find the right mix of policies and premiums. They\u2019ll also help you be sure you\u00a0<\/strong>know what you\u2019re paying for\u2014because no one wants to be surprised in the middle of a crisis when they\u2019re trying to\u00a0file a claim.\n <\/p>\n

We\u2019ve vetted all the pros we recommend to make sure they\u2019re experts with a heart of a teacher and have a reputation for providing excellent service. And, because RamseyTrusted pros are independent insurance agents, you could potentially save money too!\n <\/p>\n

How might an\u00a0independent insurance agent\u00a0save you money, you ask? It\u2019s all in the word\u00a0independent<\/em>. They\u2019re not limited to a single insurance provider\u2019s options. Because they have access to a network of insurers, an independent agent casts a wider net to find you better deals on coverage that\u2019s right for you. It\u2019s like having your own personal shopper . . . but for insurance.\n <\/p>\n

Of course, price isn\u2019t the only factor in getting the right coverage. Saving money is awesome, but making sure you have enough <\/em>coverage to protect you financially (and steering clear of scams) also matters\u2014a lot!\n <\/p>\n

So, while connecting with trustworthy independent insurance agents through the Coverage Checkup could save you money on the insurance you buy, the best part about the checkup is that it shows you the kinds of coverages you need\u2014as well as the ones you should drop or update. It lays out your crystal clear path to getting any policies and protections you and your family need to be completely covered:\n <\/p>\n

Even More Ways to Save on Insurance<\/h2>\n

The Coverage Checkup isn\u2019t the only idea we have for helping you save money on insurance (although you should take it to get your own action plan). If you\u2019re feeling the pain of rising insurance premiums and looking for as many ways to save as possible, here are a couple of suggestions to try.\n <\/p>\n

Switch From Whole Life to Term Life Insurance<\/h3>\n

The only thing worse than paying for whole life insurance is having no life insurance at all (but we have to admit that having no coverage is at least cheaper). Thankfully, whole life or nothing are not your only two options.\n <\/p>\n

There\u2019s also the silver bullet of life insurance\u2014term life! Term life is the best because it does what life insurance should do: replace your income for your family if something happens to you . . . without any gimmicks. Whole life policies try to combine life insurance with investing. That\u2019s not only confusing\u2014it\u2019s also way more expensive than term life.\n <\/p>\n

If you want to know more about why term life is such a better value for you, check out this detailed comparison of term versus whole life insurance. But for now, let\u2019s just say that switching to term life is a simple way to save a lot of money right quick.\n <\/p>\n

\u00a0\n <\/p>\n<\/p><\/div>\n

\n

Get an Online Will Instead of Using a Lawyer<\/h3>\n

While a last will and testament is not technically insurance, it is a key protection for you and your family. That\u2019s because it gives you control to decide who would get your stuff and take care of your kids if something happened to you.\n <\/p>\n

A lot of people assume you need a lawyer to make a will, which sounds expensive and time-consuming. But making a will online is just as legit\u2014and a whole lot easier too. Plus, it\u2019s way more affordable! We recommend our friends at Mama Bear Legal Forms to get it done. They\u2019re RamseyTrusted partners, and they can set you (and your spouse) up with a state-specific will from the comfort of your laptop.\n <\/p>\n

It\u2019s About More Than Your Bottom Line<\/h2>\n

The Coverage Checkup is a great tool for spotting gaps in your coverage. And it could\u2014repeat could<\/em>\u2014save you some money.\n <\/p>\n

If that happens for you, we\u2019d be thrilled. Every little bit of savings helps!\n <\/p>\n

But here\u2019s the thing: Even if you don\u2019t<\/em> save any money on premiums right away, taking action to get the right kinds and amounts of insurance is always the right thing to do. Let\u2019s look at some examples of how coverage gaps can bring a lot of financial pain.\n <\/p>\n

For starters, things like\u00a0floods,\u00a0earthquakes, and normal wear and tear are not usually covered under a\u00a0basic homeowners\u00a0policy. And if you didn\u2019t buy\u00a0comprehensive auto insurance, you aren\u2019t covered if something crazy comes along\u2014like a chipmunk eating your truck\u2019s wiring (it happens).\n <\/p>\n

Cutting costs shouldn\u2019t mean cutting corners. That often leads to expensive surprises\u2014and paying far more down the road than you can possibly save by skimping (or skipping) on coverage today.\n <\/p>\n

Working With an Independent Agent Is a Smart Move<\/h2>\n

True pros like the ones we recommend through the Coverage Checkup take the time to walk you through your coverage options so you can make the decision that\u2019s right\u00a0for you<\/em>.\n <\/p>\n

Sadly, this basic level of service isn\u2019t always part of the package. Many people don\u2019t fully understand the details of their insurance policies at all. And if you\u2019re confused about what\u2019s covered and what\u2019s not, that could\u00a0really\u00a0<\/em>cost you.\n <\/p>\n

Independent agents will keep both price and<\/em> coverage in mind. And you can be confident knowing your independent agent doesn\u2019t have a stake in the game when it comes to which provider or policy you choose. They don\u2019t get paid extra for helping you choose a specific one\u2014so at the end of the day, you\u2019ve got all the facts and can make an\u00a0independent<\/em>\u00a0choice.\n <\/p>\n

The great news is, it\u2019s possible to get more protection for less by going through an independent insurance agent\u2014like Summer M. from the Ramsey Baby Steps Community on Facebook did.\n <\/p>\n

\u201cThe Ramsey name is trusted,\u201d Summer said. \u201cAnd I’m so glad you vet the folks you have business relationships with because that trust goes a long, long way. I feel safe, secure and covered now. Keep up the good work, Ramsey team, vetting agencies so I can spend time on other life things without having to worry about home and auto insurance details.\u201d\n <\/p>\n

Start Saving Today<\/h2>\n

What would you do with extra money every month? Knock out a little more of your debt? Boost your retirement fund? Or get hustling on paying off your mortgage? The possibilities are endless! So what are you waiting for?\n <\/p>\n

\u00a0\n <\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u00a0 Insurance Isn\u2019t Like Fine Wine . . . A lot of people treat their insurance policy like a bottle of red that just gets better with age. Spoiler: Insurance doesn\u2019t work like that. Never taking a second look at your insurance policy is a mistake that could cost you. That\u2019s because you could be<\/p>\n","protected":false},"author":1,"featured_media":26906,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-26905","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"\nA Tip From Dave That Could Save You Money (and Headaches) | Didebta<\/title>\n<meta name=\"description\" content=\"\u00a0 Insurance Isn\u2019t Like Fine Wine . . . A lot of people treat their insurance policy like a bottle of red that just gets better with age. 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