Tip #7: High Deductibles = Low Premiums
Why it matters: Companies reserve their best rates for accounts that have -0- claims activity. Therefore, over the many years that you will be buying insurance, you are likely to come out ahead by handling small claims on your own.
What you should do: Set home and auto deductibles at $1,000 or higher, ask for full glass coverage and towing coverage.
TIP: Full glass and towing losses will not raise your rates.