9 Hidden Fees – And How to Avoid Them

If you don’t read the fine print, you’ll often end up paying more than you bargained for.

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Look at your rearview mirror, and you'll see a warning: Objects are closer than they appear. It's a government-regulated warning that if you take what you see in the mirror at face value, you could find yourself spinning out of control. Monthly bills and pricing in general could use a similar warning near those dollar signs and cents: Prices aren't always what they seem.

It's a sad fact of consumer life that hidden fees, or surprise charges, seem to be everywhere. If you don't read the fine print, you'll often end up paying more than you bargained for. So in that spirit, here are nine hidden fees across a wide spectrum of goods and services, with suggestions about how to avoid them.

[See: 10 Ways Companies Annoy Customers.]

Monthly modem fee. Do you get your Internet through the cable company? Many companies, including Time-Warner and Comcast, now charge broadband customers a monthly fee to rent a modem, usually around $6 or $7 (until recently, modems were offered to customers at no charge).

How to avoid it. You can buy your own modem if it's been approved by your cable company. Modems can cost anywhere from $50 to $150, but possibly within a year, it'll be paid for. The only downside is if something goes wrong with the modem, you'll have to buy another one – or go back to renting one from your cable company. But if you're anything of a tech guru, it's probably worth doing.

Document fee for your new car. If you're buying a car, you may be asked to pay a document fee, also known as "doc fees," to cover the cost of processing paperwork.

How to avoid it. Ask your dealership to lower the fee and see what happens, or even better, check your state's Department of Motor Vehicles website to see if it limits the document fee. If your state has a cap on the fee and your dealer is charging more, consider buying elsewhere. If there is no limit, find out what local dealers are charging for doc fees and ask your dealer to match that.

Hotel fees. That nice, smiling clerk at the front desk may be as charming as can be, but he or she may be holding back a secret: a hidden fee or two. Fees that may pop up on your bill include a "safe warranty fee" (because your room comes with a safe) and a "resort fee" (because the hotel has a swimming pool).

How to avoid them. Some fees are tough to avoid, especially resort fees if the hotel is in a popular tourist destination, but ask ahead of time if there are any fees that come with the room – and then ask if they can be removed. The safe warranty fee, which is usually around $1.50, is generally an easy one to get taken off your bill.

Airline luggage fees. It's common knowledge that airlines charge for space in the baggage hold below the plane, but if you don't travel much, you may not know that some airlines are charging for carry-on luggage that goes in the overhead cargo. Airlines will also charge passengers for additional checked luggage, and fees often come into play if your luggage weighs too much.

[See: 10 Ways to Avoid Airline Fees.]

How to avoid them. Remember that you aren't just paying for your travel, but to transport your belongings, too. Look at every angle that might save you money. For instance, you can buy a lighter suitcase to pack more stuff into it. Also consider the total of what you'll spend, including luggage fees, when comparing airfares.

College student fees. It's hard to avoid these fees once you start paying for your child's tuition, but it's easy to forget about them until the bill's due. Most universities disguise the fact that their tuitions are climbing by charging and raising student fees. Some of the fees you might pay include a student activity fee, student union facility fee, learning technology fee, recreational fee, safety fee and an orientation fee. Earlier this year, Worcester State University in Massachusetts made headlines with its $72-a-year pedestrian and parking fee to help pay for sidewalk maintenance.

How to avoid them. You probably can't, but you'll want to look closely at those fees if money is a deciding reason for going or not going to a particular university.