Saving money on insurance probably isn’t a hot topic at Saturday BBQs or weddings, but with prices rising and plenty of options out there, it’s worth a look. The good news? You don’t have to just accept whatever premium lands in your renewal notice—because let’s be real, that’s hardly the highlight of the year. There are ways to make smarter choices and potentially save while keeping the coverage you need. We’ve rounded up some practical tips to help you get the most out of your insurance.