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Are paying for the exact same car, new or used, using apps like truecar. and use it to negotiate. >> this is something i can actually show to the salesman and say the guy across the street has it for this much? >> sure, it's another negotiation. >> leverage. >> reporter: tip two, know when to buy. saturday, the worst day of the week. and end of the month is best. >> the end of the month when the sales guys will be hitting their quotas. >> reporter: and tip number three, consider a revolutionary approach. avoid the middleman and save thousands on a used vehicle. buying at an online dealership l...

That phone midconversation will land your name right back on the call list. tip two -- don't engage the telemarketer in conversation, not even to explain why you're not interested. any conversation opens the door to another sales pitch. and tip three -- never tell them to call you back later. they will. >> even if you say something like, i'm in the middle of dinner, that means, oh, i shouldn't call at 6 p.m., so i'll try them in the morning. >> reporter: so, what should you do? keep calm and say this magic phrase -- please add my name to your do not call list. take it a step further. go online...

For sale online, saving them $120. tip number three, lower your internet speed. unless you are streaming a lot of video for you or your children, you don't really need the highest speed. a simple switch can save close to $360 a year. and finally, tip number four, go back to the basics with that land line. cancel those extra services like call waiting and caller i.d. that saves $105 a year. adding those tiny changes up, they can save over $1,000 this year. it's shocking that you are not rewarded for loyalty. when our family called their provider they had been with for 15 years to take advantage...

>> reporter: they are paying nearly $2500 a year, for cable, phone and internet. our technology contributor joanna stern says their bill doesn't have to go as sky high as their channels. >> they are paying a lot. >> they are paying a lot. >> reporter: tip one, shop around every year for plans. using websites like yahoo's digital quote. >> you can put in your zip code. >> reporter: we instantly find four in their boston area. at $80. >> look at the competition and see what they offer and come back to them and say i can get this here. what can you do for me? >> reporter: sure enough, one quick c...

>> insurers in many cases, this is going to stun you, penalize you if you become a hyper loyal person. they can push rates up on you. >> reporter: clark says shop around every three years for better insurance rates. >> not every 30? >> not every 30 like you. >> reporter: check out web sites like bankrate.com to find other providers' coverage and compare quotes. >> we enter a zip code. >> yep. >> reporter: instantly we get 14 different auto insurance quotes ranging from $918 to 1800. that's nearly double for the exact same policy. tip two -- >> never, ever, ever make a small claim. >> reporter:...