• 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.