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The best way to save money on HVAC repairs is by regularly having your system inspected and maintained. This can prevent bigger problems and costly repairs and replacements in the future. It’s also smart to buy quality equipment and hire companies that provide warranties on equipment and labor. If you need repairs, you may be able to save money by cashing in on rebates and incentives or keeping the area around your HVAC unit clear to shorten the time your contractor needs to spend in your home.

Air filters with a MERV rating of 11 or higher need to be changed every three to six months. If your filters are incredibly strained because of environmental factors, such as living in a smoggy, pollen-rich area with a large household, you may need to change your filters every two months regardless of the MERV rating.

While an air conditioner can temporarily run with a dirty filter, it is not recommended as it will not work efficiently. A dirty filter forces the system to work harder to circulate cool air, leading to reduced airflow, increased wear and tear, and higher energy bills. This added strain can cause the air conditioner to overheat or fail prematurely. Furthermore, a clogged filter may allow dust and dirt to accumulate in your ductwork, negatively impacting air quality. It is more cost-effective to clean or replace filters regularly than to pay higher utility bills and risk needing to replace the entire AC unit.

You should plan to change your AC unit's filter every one to three months, depending on the manufacturer's recommendations. You should also clean the coils at least once per year, but if you have pets or someone in your household has allergies, you might need to clean them more often. Fortunately, many pros will clean the coils and change the filter for you during an inspection, which you should schedule once or twice per year.