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