Consumerpedia

There’s a lot to consider when booking a hotel room: location, amenities, and quality. But for most of us, the deciding factor is price. In many cases, your room will cost significantly more than your flights. So, how do you find the best deal? Consumers’ Checkbook did nearly 2,000 searches looking for the best hotel rates. In this episode, find out what our researchers discovered when shopping for hotel rooms. Does it make sense to book with the hotel or an online travel agency, like Expedia or Travelocity? What sorts of tricks do travel websites use to get you to book now? Does it pay to call the hotel directly? And what do you have to do to get an honest-to-goodness lower price? The lessons we learned should help you the next time you plan a trip. Read Checkbook's full report on how to find the best hotel room rates.

Most homeowners pay too much to insure their houses. They waste money on worthless optional coverage—or worse—stick with the same insurers year after year without checking if lower premiums are available from other companies. The potential savings from making a switch are dramatic, and you don’t have to sign up with a poorly rated company or get a bare-bones policy to get a better deal. Checkbook finds that some homeowners will save more than $1,500 a year by switching companies. Yes, shopping for insurance is a bit of a pain, but the potential savings make it well worth your time to request pricing information and evaluate potentially wasteful coverage. In this episode: How much coverage do you need, and how do insurance companies set their rates? Also, why Checkbook believes insurance companies should be prohibited from using credit scores to set premium prices. Read Checkbook’s full report on homeowners insurance.

Companies always say their top priority is customer service, but all too often they fall short of that goal. What bugs you as a consumer? Is it the fine print in advertisements? Fake discounts? Maybe problems making returns or repair people who can't make the fix? Something a little different in this episode. We’ll hear from a few members of the Checkbook team and several subscribers who have gripes they want to share. Do you have a gripe about something in the marketplace? Tell us about it. Be advised: We can’t solve individual problems, but we may ask you to join us on a future episode. Additional Resources: How to Complain and Get Results

Demand for plane tickets, hotel rooms, vacation rentals, and other travel services is up—way up. If your summer getaway involves flights, brace yourself for problems; like last year, planes will be packed, and the system will be stretched to its limits. In this episode, advice from someone who loves to travel—and makes his living doing it. Christopher Elliott writes the syndicated “On Travel” and “The Travel Troubleshooter” columns. We caught up with him in New Zealand. Additional Resources: 60 Strategies for Finding the Best Travel Deals and Avoiding Trouble Do You Need Travel Insurance? (Spoiler: For Most Trips, Probably Not) Why Use a Travel Agent?

Home warranty companies promise to save you thousands of dollars if you need an expensive repair. But Checkbook found these plans are terrible deals for most homeowners. Warranty companies are the subject of thousands of complaints to consumer agencies. After paying $400 to $1,000 for the coverage, consumers find that home warranty contracts often have numerous fine-print exclusions that stick them with much of the costs for product repairs or replacements. Plus, you don’t get to decide who does the work—and the best repair services usually refuse to work for home warranty companies. Additional Resources: Home Warranties Are Lousy Deals

Some companies try to boost business by doing things that are meant to mislead and manipulate customers. These include pre-checked boxes that obligate you to more than you bargained for, hard-to-find disclosures, and confusing cancellation policies. These practices are called “dark patterns,” and as more commerce moves online, they’re growing in scale and sophistication. The Federal Trade Commission is cracking down on illegal dark patterns, but because the problem is so widespread, you need to know what to look for to protect yourself. In this episode, Sam Levine, director of the FTC’s Consumer Protection Bureau, talks to us about some of the most common dark patterns. Additional Resources: Consumerpedia Episode 31: Watch Out for These Common Fraud Tricks & Traps

For most aging adults, there really is no place like home. Surveys done by AAPR consistently find that nearly 80% of those 50 and older prefer to age in place rather than move in with relatives or into senior communities. The aging-in-place movement can help you stay safe and comfortable in your home as you grow older. But it’s something you’ll need to plan for, the sooner, the better. In this episode, learn what’s important when remodeling or retrofitting your house, as well an option that’s growing in popularity across the country: Neighborhood-focused networks, or “villages,” that offer social, medical, and household resources. Read Checkbook’s full report on aging in place.

It takes some extra effort to be a good consumer; to make sure you’re getting a good price on quality merchandise, to find top-notch service providers, and to protect yourself from liars and cheats who want to rip you off or steal your identity. But the time it takes to do it right is nothing compared to the hassles of dealing with problems that can result from making poor choices. To celebrate National Consumer Protection Week (March 5 – 11, 2023), we’ve assembled a group of experts and asked them to share some important consumer advice. Guests: Kevin Brasler (Checkbook.org), Edgar Dworsky (Consumerworld.org), Amy Nofziger (AARP Fraud Watch Network), John Breyault, (Fraud.org), and Kimberly Palmer (NerdWallet)

Auto insurance companies base their premiums on a host of factors, such as the vehicle, driving record, and, in most states, your age, gender, marital status, and credit history. Some also offer discounts if you agree to install telematic technology on your car, which monitors when and where you drive—and how safe or reckless you drive to get there. Is it worth giving up your privacy to see your insurance bill drop by as much as 30 or 40%? In this episode, we talk to Michael DeLong, an advocacy associate with the Consumer Federation of America, about telematic data collection: How it works, how it can get things wrong, and whether you should even consider trading your privacy for lower insurance rates.

If you find going to the grocery store a hassle, having your avocados, Doritos, and whatnot delivered is a convenient and time-saving option. And these services are a great help to those who can’t get to local markets due to physical impairments or a lack of transportation. But you’re going to pay to have someone gather your groceries and bring them to you.  At some stores, extra costs for delivery are only a few dollars per order; at others you’ll pay a sizable fee to skip the store. In this episode, we discuss the pros, cons, and costs of having someone else do your shopping. How much do prices vary? Which services rate the best with Checkbook subscribers? Plus, tips to help you get the best prices should you decide to shop this way. Read Checkbook's full report on grocery stores and delivery services, including undercover price comparisons and unbiased ratings for quality.