Check what your renters or homeowners insurance already covers before buying a separate policy for your phone. (policygenius.com)
If you're 17 and have a poor driving record, consider buying an older car — they're cheaper to insure — and buying a separate policy with only high liability protection. (carinsurance.com)
There's also joint life insurance, which covers two people under one policy and is cheaper than buying a separate policy on each person. (nerdwallet.com)