| The whole concept of insurance revolves | | | | $500 of physical damage. You can do the same |
| around protecting the assets of an individual | | | | on the homeowner?s policy. You will lower |
| from financial loss due to an unpredictable | | | | your premium and still be covered for any |
| event. The reason that we purchase insurance | | | | major loss. |
| is to protect ourselves from financial | | | | |
| disasters. We rely upon the insurance company | | | | You will save a ton of money in the long run. |
| to take on the risk in exchange for the | | | | You don?t have enough claims over a lifetime |
| premiums that we pay. The average consumer | | | | to warrant having a low deductible. You are |
| spends very little time thinking about | | | | paying the insurance company money for |
| insurance purchases. The insurance | | | | services they may never perform. You will |
| professional is expected to do most of the | | | | save thousands of dollars by keeping your |
| thinking for us and advise us on what is | | | | deductibles $500 or higher. |
| best. | | | | |
| | | | There are a lot of optional coverage?s in |
| There is a simple principle that can be | | | | auto and homeowners insurance that you may |
| applied to almost all of your property and | | | | want to eliminate to save money. Most states |
| casualty insurance purchases that will save | | | | have tort options. Tort is your right to sue. |
| you premium dollars. Self insuring is that | | | | Full tort verses limited tort can sometimes |
| principle. The smart insurance shopper | | | | be a difference of 20% in your auto insurance |
| eventually grasps the concept of self | | | | premium. Rental reimbursement and towing |
| insurance. The whole idea around self | | | | benefits are added onto auto insurance all |
| insurance is using deductible options and | | | | the time. You may want to self insure for |
| eliminating unnecessary coverage. The days of | | | | these and save premium dollars as well. |
| the $100 Collision deductible on auto | | | | |
| insurance is fading fast and it should. The | | | | The insurance purchase can be easier and more |
| higher deductible saves you in premium | | | | affordable if you can grasp the mindset of |
| dollars. That is what we call self insuring. | | | | self insuring. Your agent will welcome your |
| When you change your deductible from $100 to | | | | thinking on this because most agents think |
| $500 you are taking on the risk for the first | | | | self insurance is best for their customers. |