How much you pay for your next trip can vary significantly. Call the hotel’s front desk before you arrive and ask if there is a better rate than the one you booked through whichever travel site. The disparity in age might also have something to do with the amount of time people can devote to planning a trip. A joint study by Oxford Economics and Expedia found that 21 percent of travelers use a third-party site to book their trip.

If you don’t feel like going directly to or using the app, you can email (or message, or slack) Hipmunk direct questions about prices for a trip, or coordinating plans with your family. If you’re booking an extensive trip with multiple flights, hotel stays and excursions, Travelocity walks you through each reservation so you don’t have to track down confirmation numbers from a dozen different sites.

Ultimately, the study found that travelers can snag the lowest-cost tickets between two weeks and nearly a year before the flight, depending on the travel destination. But now that Agoda has come to the U.S., it delivers a hotel search experience that matches some of the best hotel sites on this list.

Airlines and travel websites offer bigger discounts and cheaper airfare prices to people who book online because it saves them the overhead costs of printing and handling a paper ticket. At , you can compare plans and prices from multiple insurance providers with just one search and narrow your search results by specifying the kind of coverage you need.

It also lets you specify your preferred flight time, vacation activities (beach, gamble, golf or ski?) and weather (based on temperatures). If you prefer a more traditional booking, start out with a travel search engine like Kayak or Google Flights to search all of the other sites.