There are some insurance policies that are no-brainers. For example, you need health insurance and auto insurance on a brand new car. The best you can do is shop around to make sure you’re getting the best price. But there are some insurance policies you should just avoid altogether. Take a look:

1. Identity Theft Insurance
2. Credit Life Insurance
3. Travel Insurance
4. Dental Insurance
5. Children’s Life Insurance
6. Permanent Life Insurance
7. Collision Coverage on an Old Car
8. Flight Accident Insurance
9. Critical Illness Insurance
10. Rental Car Damage

In addition to avoiding unnecessary policies, make sure you’re not making the insurance you need more expensive than it should be.

You can also check out 3 other insurance policies you don’t need.

Read more about why these policies may be “dumb” over at Money Talks News.