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There are several reasons why your furnace filter might get dirty quickly. For example, if you run your furnace often, more air—and therefore, more contaminants—will flow through the system and clog your filter. Having pets is another reason that your filter accumulates dirt quickly. Also, thinner filters will get dirty faster than thicker ones.

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.

Your air conditioner can temporarily run with a dirty filter, but it won’t work as efficiently. It will need to work harder to blow cool air throughout the room or house, and this can eventually cause the air conditioner to overheat or die prematurely. It’s much more cost-effective to clean or replace filters than to pay higher utility bills each month and replace the entire AC unit more often.

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.