Insurance is a huge expense that’s always hard to predict. A lot of places will quote you lower than your actual premium will be, leaving you in a tough spot when it comes time to sign up. Also, where you live can have a huge impact on how much you pay. I’ve found that increased insurance premiums can be a hidden cost of moving.

I personally would buy the lowest priced item I could find. But then I learned that after buying the item and it falling apart and buying again that I ended up spending more than I would have had I just bought the higher priced, higher quality item. So now, I still shop around, but know when to pay more for things that will last.