Travel insurance is expensive. Especially if you’re a frequent traveler, you’ve probably figured out that purchasing insurance is one of the easiest ways to spend money. The cost of travel insurance generally depends on how much coverage you need, how long you’ll be traveling for, and a handful of other factors. But no matter how much you’ve tried to keep track of your insurance costs, chances are you’re still paying more than you need to. Reducing your travel insurance cost doesn’t have to be difficult or expensive. With a little effort and a few smart strategies, you can find ways to save on your policy while still getting the coverage you need. Here are five fool-proof ways to do just that.

Switch to a Travel Insurance Provider with a Free Quote

When comparing travel insurance providers, don’t just look at the price of the policy. Instead, compare their coverage as well. Make sure each company’s policy covers the kinds of trips you want to take and the duration of those trips. It’s also a good idea to look into the company’s claims and customer service history before choosing a policy. You can easily find this information with a quick internet search.

Don’t book that last-minute trip

If you have a tendency to book your trip at the last minute, you may find yourself paying more than necessary for your travel insurance. If you’re constantly hopping from one travel insurer to the next, it’s probably because you don’t have your act together enough to put together a solid itinerary. Itineraries are essential to making sure your travel insurance company knows you’re traveling and can therefore accurately assess your claim.

Don’t backpack alone

Backpacking may be a youthful pursuit, but it’s also a common activity for people in their 20s and 30s. Similarly, many families take two or three family members on a trip every year. Regardless of who you are or whom you travel with, travel insurance is a must. And luckily, it’s one of the easiest ways to save money on your policy. If you’re traveling as part of a group, your travel insurance company will typically offer cheaper coverage for individuals. This coverage applies to you, your spouse, and any dependents you’re covered for.

Be picky about your trip itinerary

When you book your trip, don’t be afraid to be picky. Some travel destinations will have higher insurance rates than others. For example, certain countries in South America may have high insurance costs compared to other countries in the region. If you’re going to be traveling to a high-cost destination, consider booking a trip that includes a stay near the high-cost area and then exploring the less-expensive area. This way, you’ll only have one claim to file.

Be smart about how you claim your coverage

When you file your insurance claim, don’t be shy about listing every expense you racked up while traveling. This includes the price of your trip, your travel departure and return tickets, your accommodation, meals, and other incidentals. If you’re keeping track of your expenses, you may be able to reduce your travel insurance cost by including some differences in expense amount. For example, if you bought a bottle of wine and snacks at the grocery store in your hometown, don’t just list the cost of the wine on your claim. Instead, include the difference between what you paid for the bottle in your hometown and what you paid for it in the destination city.

Bottom line

Travel insurance is a necessary evil, but it’s also possible to save money on your policy by being smart about how you claim it, picking a lower-cost provider, and keeping track of your expenses. With a little effort, you can save even more money on your next trip with an insurance price comparison site such as Utility Saving Expert.