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Cutting Family Insurance Expenses

This guide, one in a series on consumer financial management, helps show how to cut insurance expenses.


Nancy G. Frecks, Extension Educator
Kathy Prochaska-Cue, Extension Family Economist

Insurance is a necessary expense but there are ways to save money. As you read through the following ideas, check any you want to try.

Insurance in General

Caution: Avoid being insurance poor. But do not let your payments stop unless you and your family are: (1) covered for possible health needs, (2) protected for liability if in a car accident, (3) protected with life insurance if you die. Be sure that assets are protected for casualty losses.

Health Insurance

Life Insurance

Most people don’t need life insurance until they have dependents. Once you do have dependents, reassess the need for life insurance every five years.

Vehicle Insurance

Property Insurance

This publication has been peer reviewed.


Visit the University of Nebraska–Lincoln Extension Publications Web site for more publications.
Index: Financial Management
Money Saving Strategies
Issued February 2009

Extension is a Division of the Institute of Agriculture and Natural Resources at the University of Nebraska–Lincoln cooperating with the Counties and the United States Department of Agriculture.

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© 2009, The Board of Regents of the University of Nebraska on behalf of the University of Nebraska–Lincoln Extension. All rights reserved.