Pod Insights The Clark Howard Podcast 06.08.26 Cut Insurance Costs / Phone Free Connection About this episode Tired of watching your auto and homeowners insurance premiums skyrocket? Good news: There are some simple ways to save money on both. The massive run-ups in auto insurance are finally slowing down, and there are concrete steps you can take right now to lower those bills without just shopping around. Switching gears, Clark looks at a fascinating and hopeful trend highlighted by The Washington Post regarding how the next generation is fighting screen addiction. With reports showing that 50% of teens spend over four hours a day staring at their phones, a growing number of college students and campus leaders are fighting back. You may be inspired to unplug, step away from the digital noise, and build deeper connections with the people in your life. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 8, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark Lower Insurance Premiums: Segment 1 Ask Clark: Segment 2 Fight Screen Addiction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 9 Easy Ways To Lower Your Home Insurance Premiums Your Insurer Owes You a Discount for Taking a Defensive Driving Course in These States Car Insurance Archives - Clark Howard Why Clark Says Everyone Should Have a Dash Cam Homeowners Insurance Archives - Clark Howard Is a Safe Deposit Box Really Safe? - Clark Howard [The Washington Post] How college students are learning to socialize without cellphones Best Low APR Credit Cards for Carrying a Balance - Clark Howard Capital One Venture X Rewards Credit Card: 6 Things To Know Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:18 Speaker 02 It's great to have you here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. I'm going to begin today's show with some simple ways for you that you may have overlooked to save money on insurance. Something that's been going up, up, up, and away in cost. And later, I love how some colleges are showing us the way when it comes to dealing with our addiction to cell phones. I'm not addicted. Yeah, right. Okay, homeowner's insurance.
2:00 Speaker 02 So many people have experienced this with rapidly increasing premiums. Auto insurance, we've taken so many complaints and questions about the big run-up in auto insurance premiums. Good news on the auto insurance front is that the big run-ups in cost for insurance are over.
2:25 Speaker 02 The bad news, we had the big run-ups in costs. So let's deal with them one by one. Homeowner's insurance has become risk management, not community-wide insurance anymore. What's the difference? Risk management is where insurers decide on you as an individual insured individual house. No longer do they set rates based on a general community. They are slicing and dicing down to the individual. That's why we had this bizarre stuff with insurers that are either using satellite
3:05 Speaker 02 and AI or using some form of drone technology to continually check up on you at your house. The whole thing is to minimize payouts in the future when a claim comes, or simply to deny claims. There was a new report in the Wall Street Journal I'm going to cover in full at another time that found that you have about a 50/50 shot that after you've paid all this money for homeowner's insurance, that then when you go to make a claim, they're going to pay it, that it's almost a coin, nobody carries coins anymore, but if you know about coin toss that started a football game, it's almost a 50/50 if you're going to see one penny paid
3:50 Speaker 02 by the insurer with a claim. I'm going to tell you how to handle that. That's a more involved conversation later. So think about that. You pay all that money and then they don't pay you anyway. So what are the things you should be doing? Number one, there are things you can do as a homeowner that might lower your premium that you may already be doing. You know, leak warning devices, really important with a lot of insurers because water claims are such a huge hit to the profitability of homeowner's insurers. So if you put in an active or passive water leak detection system, I'll tell you the difference between the two, and then you notify your insurer, it may eliminate a lot
4:33 Speaker 02 of hassle for you with an undetected leak in your home.
4:38 Speaker 02 And second, it may lead to significantly lower homeowners insurer premiums, if not from your existing homeowners insurer by shopping around. Okay, active versus passive. We have a place where we have an active system, meaning that if it senses a water leak from any water source in our dwelling, it automatically shuts off water to the dwelling. Now, that's not that common to have an active system. Most people who have a system have a passive one. And what it does is you have an app on your phone, and if a water leak is detected somewhere in your home, it notifies you right away,
5:23 Speaker 02 and then you have the opportunity to shut the water off and fix whatever it is. We had a slow leak in a toilet that kept triggering the alarm and shutting the water off, and we couldn't figure out exactly where it was. And I went on the app and it told me where the problem was. And we fixed it because, do you know, a water leak from a toilet can be devastating? And so we fixed it. And there was no damage because that was the active system that did it. Again, active systems are a more complicated thing. It's great if they're put in when a place is being built, harder to retrofit. But the passive systems,
6:07 Speaker 02 I mean, the, you know, the passive ones where it just tells you, are very cheap. They're a consumer item now. Speaking of another one, a lot of insurers now will give you devices that will be able to fare it out if there's the possibility of an electrical fire in your dwelling. Depending on the insurer, they either give you the system free, or usually it's better if you buy a system and then they give you a discount on your insurance going forward through the years. A burglar alarm system with smoke and fire as part of it, because smoke and fire is a greater danger than the burglar. Will get you a discount from most insurers.
6:48 Speaker 02 These are just examples of things where you're being an active participant with the insurer at reducing the risk to them, which is all they care about. They don't care about your property, they don't care about your life, they don't care about your pets. I mean, the insurance business is a cold, hard, mean spirited business now. And so you have to look at it as they are not your partner, they're your adversary, but there are times they're your frenemy. And when you reduce the risk to them, they in turn should reduce the cost to you. Now, one other thing you've heard me talk about for the last zillion years, if you've
7:30 Speaker 02 been a longtime listener, viewer, or reader, is my obsession with having higher deductibles on your homeowner's insurance, and by the way, your auto as well. And if you do this, this can cause a huge reduction in your premiums, eliminate temptation to make a claim. And the thing, you've got to make sure both with homeowner and auto, you have a loan on your car, you have a mortgage on your home, your lender will limit how high your deductible can go, but I set deductibles as high as the sky. I'm only looking for catastrophic coverage. Unfortunately, I don't have a mortgage, so I can do that.
8:13 Speaker 02 But the premium savings are quite nice. Auto insurance. A lot of people are able still to do split at home certain days of the week, commuting to office other days of the week. Other people have been fully brought back in, but there's still a lot more hybrid work going on than I thought there would be. You're probably driving less miles than your insurance is charging you for.
8:40 Speaker 02 If you're an ultra-low mileage driver, the pay-per-mile insurance products I've talked about are something you should get a quote on. If you are someone who still drives a moderate amount, but not as much as you used to, you can sign in or use the app on your phone for your insurer and reduce the mileage that you're driving a vehicle, and that will have a direct impact on what your premiums are. And I haven't mentioned this in a good while. So many states have a program where if you take a defensive driving course, usually a six-hour online course in most states,
9:22 Speaker 02 you'll get a state-mandated reduction in auto insurance premiums. Your insurer cannot not give it to you. They have to give it to you. It might even make you a safer driver. And you're typically going to get a 10% or 15% reduction on your auto insurance premiums just by taking the course. In most states, though, guess who doesn't get the benefit of this?
9:47 Speaker 03 Who?
9:48 Speaker 02 Someone who's had an at-fault accident
9:51 Speaker 03 Oh.
9:51 Speaker 02 or a ticket in the last three to five years, depending on the state.
9:55 Speaker 03 Hmm.
9:56 Speaker 02 But there are so many things you can do way beyond just shopping your insurance with other providers to lower the cost of your insurance.
10:06 Speaker 03 All right, we'll go to questions. Rudy in California sent you this one, Clark. He says, "Would Clark switch from a good insurance company with a good reputation to one with an okay-to-bad reputation? I would save $200 a month and get more coverage. Would Clark make the move?" And I gave you the insurance company.
10:25 Speaker 02 Yeah, so Rudy, this one is such a hard puzzle. So I go to the cheaper insurance. You're playing odds. If their claims reputation is poor, but their premiums are much cheaper, $2,400 bucks a year, right? That's a lot of money back in your pocket. So how often, if you think back, have you had an accident? If you're a typical person, you've had an accident about once every 10 years. So we're talking about $24,000 potentially saved over 10 years. That would pay for a lot of bad customer no service from an insurer.
11:07 Speaker 02 And getting insurers to behave following an accident is so much harder than it used to be. I want to add an annex. Whether you switch insurers or not, I want you to have a dash cam. Because one of the tricks of the trade now in the auto insurance business is to find you, even in an accident you had no fault in, to find you 10% at fault or 20% at fault, so that it is an at-fault accident that you're held responsible for. The dash cam gives a better picture of what actually happened in most cases. Dash cams range from very basic ones for like $15 to really exotic ones that are a couple of hundred dollars.
11:52 Speaker 02 It's like your own separate insurance policy and truth serum. Now, it could also show Oh yeah, backfire. It was your fault, right? And a lot of electric vehicles come with built-in dash cam systems, so you don't have to buy anything. The video's already there.
12:10 Speaker 03 George in Florida says, "My house has been paid off for years, but we recently received a non-renewal notice for our home insurance. We're inland, so there's no worry of storm damage. Can you get liability-only insurance? I've asked a broker, but they don't seem interested."
12:25 Speaker 02 That's because the commissions are so low. But there are lots of sellers, especially in Florida and California where the risk of, in your case, hurricanes, California, the wildfires. There are a number of companies that will sell you liability-only policies. Now, not every state is this a common product. However...
12:48 Speaker 02 I would recommend something else. Rather than you going liability only, if something happened and this house that you own free and clear gets destroyed, how are you going to feel about all that coming out of your pocket? If you've got a lot, a lot, a lot of money and it's just like, oh, I'll talk to accounting. If you're, you're like that, then going liability only, that's your choice. What I like instead is what I alluded to just a minute ago, is that you get an ultra-high deductible policy that's basically only for a catastrophic loss of your home. I don't know the value of your home, but it's not at all unusual that people will take
13:31 Speaker 02 on an ultra-high deductible policy where into six figures, you're your own insurance company. And beyond that, it is a traditional claim. So a catastrophic destruction of your house would still be covered.
13:48 Speaker 03 Deepak in Florida says, what would be your recommendation on insurance for the contents of a safe deposit box, including home or renters insurance or independent insurance? And what insurance company would you recommend? Thank you for this great, honest service you provide for free. Your podcasts and newsletters are great sources of information that help make educated decisions.
14:10 Speaker 02 Thank you so much for that, Deepak. Okay. Safe deposit boxes. Well, I think about during the banking scandals and all the branches and banks that failed and all that, and people's stuff went just poof in safe deposit boxes. And nobody can even figure out where they went. And so many people lost stuff that just vanished. That happened to my late mom where her stuff just, it went to dust. We could never figure out what happened to her stuff after her bank failed. So you can with, it's a rare occurrence, something like this would happen.
14:53 Speaker 02 And you can schedule it with your homeowner's insurer. And if you do so, yes, and you make a claim, it's going to be a claim. But the odds you're going to have a claim are so very tiny, I wouldn't worry about it that much. And that would be one that I would consider scheduling. Hard part is proving what you had in the safe deposit box. So when you go to your safe deposit box, you want to, whether you're with an independent that says, oh, you don't have to provide documentation. Yeah, right. Or your own homeowner's insurer, you want to have a video you've shot on your phone where you describe what's in there, pieces of jewelry, what they are and all that, whatever's in there.
15:38 Speaker 02 Because you may forget things too, that you put in a safe deposit box. You can also buy independent policies. They're not very common. There's even some that'll have safe deposit box or safety deposit box in their name, letting you know that's the line of insurance you're buying. It is your choice which way you buy from a specialty, or you just add it on to your own homeowner's insurance, which in this case is what I would do. And safe deposit boxes have become less relevant, less significant, because they turned out not to be that safe. Is when the banks got into financial trouble, they just didn't care what happened to people's stuff.
16:24 Speaker 02 Yuck. Gosh, I sound so terrible. I was talking about the insurance companies not caring, the banks not caring. We're in an era where we deal with a lot of very large organizations that kind of lose that heart and soul. And I hate that I sound so negative about them, but you know, that's what happens in everyday life, and it's a shame. Coming up ahead, speaking of something in everyday life, cell phones. They are changing the ability for so many people to have face-to-face interaction with people that's not awkward, among other things. I want to talk about that straight ahead.
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19:21 Speaker 02 Couple of weeks ago, I talked about the three teens walking down a sidewalk that almost were gonna knock me over because all three of them, instead of interacting with each other, talking to each other, were all three walking up a sidewalk, looking at their phones, not looking ahead, not interacting with each other, not engaging. And you know, the stat that's most often stated that came out of a report two years ago is that 50% of teenagers are spending more than four hours every day just looking at their phones for things not involving work or anything like that. You know, social media, being on
20:04 Speaker 02 Snap, whatever. So I saw a Washington Post story that I loved, voluntary, different than the states where they're banning cell phones during the school day. Colleges and universities where student organize things or university recommended things, where they have created cellphone-free spaces on campus. Because interacting with each other, employers talk about it, that new hires out of high school and out of college have trouble looking customers in the eye, looking colleagues in the eye, engaging in small talk, because
20:47 Speaker 02 they have been able to avoid it through growing up. And college campuses creating these cellphone-free zones specifically for the purpose of getting people to socially engage with each other and get over the social anxiety that's created from basically lack of practice engaging with each other. And so I love things you can do intentionally in your own life that get you away from the phone when you're with those you love, or family you're with.
21:26 Speaker 02 Hopefully you love them and that you take consciously, you take the phone out of the equation in a social situation. You know, if somebody's debating something with somebody across from them and they say, and they're looking for the, for the information on their phone, they pull it out to do that and then it goes back in their, their purse or their pocket. Okay. But the whole idea is to engage with each other. And Krista, you take like 47 exercise classes a week. Are people before and after the classes, are they with their faces and their phones? Or are they engaging with each other, talking to each other?
22:10 Speaker 03 In my gym, you're not allowed to have phones in the room at all for the classes. And so they have to lock them in the locker. And I like that a lot. So generally when they get out of class, they might, you might see them pull it out of the locker. But, and also like, I hate it when you see people at dinner, both on their phones, you know what I mean? And not talking to each other.
22:29 Speaker 02 It's really intimate, being there at a nice dinner. And instead of looking at each other, you're looking at that device.
22:37 Speaker 03 You know, I just saw something, of course, it was on Instagram, but it was a neurologist talking about how when you look into someone's eyes, when you're talking to them, it gives the person a dopamine hit that like, there's something about that engaging with the person. And so often you see people just looking down and talking too. And it's, I think it is, like you said, it's not like it's that person's fault, but it's, it's practice and having that social engagement, which we were lucky enough to not grow up with cell phones and we had all these experiences. And so I think it's so much easier for us than with people who grew up with smartphones now, you know?
23:11 Speaker 02 Imagine, for me, having grown up, you know, where we were dealing with dinosaurs.
23:20 Speaker 03 Oh, stop. Enough with that, but I have to say, I also have to like, put my phone down and do different, like I've started, I left my Kindle on a plane and so now I'm reading paper books again to punish myself. I'm not buying another one for a while. But I think physically holding a book is really good, too. Like, it's one less screen I'm looking at, and it makes me put my phone down. But I'm just as bad as other people. I mean, I play my little, all the New York Times games in the morning, like the Wordle and all those things I play and the mini and, and that's fun for me and it's engaging my brain. But I can scroll on Instagram with the best of them and just get lost in it, you know?
23:57 Speaker 02 So, how many neighbors have in your neighborhood, because you're like the classic neighborhood for it, have the free lending libraries?
24:06 Speaker 03 Oh, I've seen, there are a couple in my neighborhood. I love those. I love, I've put books in them before. So, anyway, all right, should we go to questions?
24:13 Speaker 02 Yeah, we should.
24:14 Speaker 03 Sorry. Okay, let me pick up my tablet and read this questions to you. Chris in Texas says, what are your thoughts on the, what the price of electricity will do over the next 15 years? I know this is hard to project or predict, but I'm currently looking at my options for solar and battery storage because it's hard to think that prices will not continue to go up with all the infrastructure build out and the data centers coming online. The economics of solar and battery seem different now that the tax credit no longer exists. I wanted to get your thoughts on this space. I knew you would love this question because you're obsessed with this stuff.
24:50 Speaker 02 All right. So, Chris, I don't mean to outrage you and many other people, the place you're going to go to post this is going to be Clark.com/ClarkStinks when you react to what I say. I have never been a fan of all the credits that go to various energy industries. Right now, we got all kinds of credits that go to oil and gas. We had them with solar and wind and all that. I wish we would just let the marketplace do it. And one of the things that's happened since the credits went away for solar is that the cost of installing solar without a credit has gone down because the marketplace has
25:35 Speaker 02 had to respond because the prices that people were charging were all like, and you're going to get a 30% federal tax credit. Well, when that went away, companies had to become more efficient. Panels today versus panels 10 years ago, get this, they generate, how do I say? The panels of 10 years ago were 90% less efficient than the panels today.
26:02 Speaker 03 And now they have the little roof, you know, the roofs that are solar and they'll get cheaper over time, right?
26:10 Speaker 02 But the panels are just crazy cheap. A lot of the cost is involved with the installation. And then the battery backups have fallen in price, I mean, like a rock. And so what you can do with battery storage coupled with solar is amazing. And the paybacks, depending on where you live, how much it costs you to do it, are really pretty favorable in so many places in the country right now. You're in Texas where the paybacks have been great. Texas also has a free and open energy market that I love and I wish would be adopted
26:52 Speaker 02 in the rest of the country instead of these corrupt monopoly power companies that take over the state legislatures and get what they want, including these huge increases and power rates we're seeing right now. I think the bump up from the data centers is a temporary phenomenon. The long-term trend with energy has been that the cost of energy has not risen at big numbers till recently. So I do think this is a temporary thing, but there's a long-term benefit, especially In a sun-friendly state like Texas, for you to look at doing solar and battery.
27:35 Speaker 02 Texas generates more utility-based power from solar than I think anywhere else in the country now. It is huge for both solar and wind because the payback is there. It's the cheapest energy coupled with batteries that you can generate now in the state of Texas.
27:56 Speaker 03 Perk in California says, "I have an 830 to 836 credit karma score and I want to keep it up. I have no current loans and pay my credit cards off every month. What happens when my last loan history falls off my report? Will I have a lower credit score? And should I get a short-term loan to keep a good payment history?"
28:16 Speaker 02 You don't need to do the short-term loan. And Perk, congratulations to you
28:21 Speaker 03 Yes.
28:22 Speaker 02 on carrying no loans of any kind, other than credit cards, which show active use. You're using them every month. You're paying off in full. Your risk to the credit issuer is extremely low. Your credit score, based on the credit karma scoring, is going to vary from what your FICO score would be from any of the credit bureaus. I have no loans at all, other than credit cards. And my current FICO score is about 820, which you wouldn't think would be possible because I don't have that variety of credit in my history. I don't have vehicle loans, mortgages, anything like that.
29:04 Speaker 03 I just want to point out, when you said credit cards, you pay them off in full every month, obviously. I know. Just want to say it.
29:10 Speaker 02 Absolutely. I do not, I'm not paying anybody 25% interest. I was just reading something about someone who has a Chase Sapphire Reserve and is paying that huge annual fee and is running balances and paying 25% interest, whatever. Reward cards are useless.
29:33 Speaker 02 If you run balances and if you are running balances, run, don't walk to join a credit union because the average interest rate for someone of the same credit standing on a credit union card is half of what the average interest rate is on a bank issued credit card.
29:54 Speaker 03 Okay, did you finish Perk's question? I'm sorry, I interrupted you.
29:56 Speaker 02 I did answer the question.
29:57 Speaker 03 Okay, I just wanted to make sure.
29:58 Speaker 02 And then I added something else completely unrelated to your question.
30:02 Speaker 03 It was my fault. It was my fault. William in New York says, hi Clark, I love the podcast that you're doing. I've been listening since my uncle told me about you and I also want to start traveling more. I'm 23, just starting my first job and I'm graduating with zero debt.
30:15 Speaker 02 Wow.
30:16 Speaker 03 I travel in New York using the public transit and Amtrak back to Maryland to see my family. Right now I have the Discoverit card and the Bank of America Travel Rewards card and my credit score is 760 plus. I want to travel more internationally and thinking about either the Chase Preferred trifecta or getting the Amex Green and I'm eventually planning on getting the Gold because of the credits and points. Right now for either the Green, I don't fly that much for the Clear Plus credit and I don't really stay in hotels for the offset for the Sapphire Preferred. I'm also wondering if there are other cards you would recommend that transfer points and any other advice you have for a budding traveler.
30:58 Speaker 02 Right, so first of all, fantastic, 23, first job, no debt. I have to make sure that I do that nag thing. What are you doing to save for retirement? This is the point in that first job. I want you participating, if there's a Roth 401K where you work, I want you in it. If there's not, I want you setting up your own Roth IRA. I want you to have that money saving habit for the future from that first job. Now, to your question, I don't even think it's close, the answer to this, that you're now going to do some travel internationally, could be doing some trips around the country.
31:42 Speaker 02 I want you to get the Capital One Venture X card. Gosh, this is going to sound like I'm being paid to do, what's that woman's name who does all those commercials for them?
31:54 Speaker 03 Jennifer Garner?
31:55 Speaker 02 Yeah, she's an actress.
31:58 Speaker 03 Oh yeah, she's great.
31:59 Speaker 02 Anyway. So that card, $395 annual fee, keep expecting them to raise it. They haven't. You get 300 of that $3.95 back with the first ticket you book through their travel portal. So then you've got a $95 annual fee, but you get all the benefits all the time. 2X points minimum on everything you do on the card. Gets you lounge access, a bunch of other things. And it is the absolute runaway hit for a first travel card for somebody who travels regularly.
32:38 Speaker 02 Cause you only need one airline ticket a year to make the card down to a $95 annual fee, but with a full suite of travel benefits that come with the card, plus all the transfer partners with your 2X minimum points you earn on the card. But just as I said a second ago about the woman who was paying 25% interest or whatever on the Sapphire Reserve, it only works if you pay the balance every month on those cards. The bonus signups with these cards typically will wipe out what the annual fee would have been anyway for the first couple of years.
33:22 Speaker 02 And then you buy that ticket and you get the 300 bucks back, bam, against that $3.95 pronto. So thank you so much for joining us today. I hope that you have an absolutely great week in front of you. We'll be serving you all week long with our podcasts and so many other ways. Our newsletters, if you have never checked out our free newsletters, you'll find not only are they free, but they're priceless at putting money back in your pocket so many different ways. So you just go to Clark.com/newsletters. And it's just one of the ways we empower you with knowledge so you can save more,
34:07 Speaker 02 spend less, and don't let anyone ever rip you off. And I'll be at your service Wednesday.
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34:45 Speaker 04 Your sausage McMuffin with egg didn't change. Your receipt did. The Sausage McMuffin with Egg Extra Value Meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.
34:57 Speaker 05 Price and participation may vary. Promotion pricing may be lower than meal pricing.
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