Insurance is one heck of a racket. Consumers pay millions of dollars each year to protect their things just in case something bad happens. Most often it never does. But they still pay just to be safe because what if it did. Insurance is unfortunately one of life’s necessities. There are ways to make sure you’re getting the best deal on your insurance products.

If you’re a savvy shopper like me, you know one of the best ways to save money is to shop for end of the season bargains.  I can’t tell you how much I’ve saved by going to clearance sales.  And I have a closet full of brand new dresses, blouses, jeans and sweaters with the tags still on them to prove it. I have a fondness for a bargain, but sometimes, what I buy sits in the closet because it doesn’t fit.  It’s one thing to be savvy, and another thing to be smart.  And not every deal is a smart one.  The problem is, I tend to buy an item I really like, even if it’s too small for me and swear I’m going to lose enough weight to get into it.