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Posts: 8845
| No so fast AF chief -- Think about your comprehensive claims. Have you ever filed one? We're talking about stuff like a tree falling on your truck here...
Even if you have an occasional claim, The savings on your premiums are probably more than the additional $250 out of pocket paying that extra deductable.
As for the liability? They can't sue you for what 'ya ain't got. So carrying a high amount of liability insurance isn't always a good idea depending on your assets. Let's say you rent an apartment for example, you have no savings, no 401k, and a 15 year old truck. Do you really need million dollar liability? On the other hand, lets say you have a house, a cottage, several retirement accounts, a $50,000 ranger...
A GOOD agent will work with you personally on every aspect of every policy you have, to make sure your coverage is no more or no less than what you really need, and explain the benefits and risks of each type and level of coverage.
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