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FREE REPORT Dennis Volz 
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Nothing can brighten your day quite like a whopping auto insurance renewal bill in your mailbox.
 
But instead of reaching for the aspirin and your checkbook, grab your calculator anda pencil and paper. With a little time and a few inside tricks of the trade, you canmake some critical decisions that could reduce your premium by up to
sixty percent
.
Yes, that’s right! UP TO 60%
Even though insurance has been part of our culture for over 100 years, to mostpeople – It’s still a just a mystery. And because they don’t understand it, a lot of people think they’re being “ripped off” by the Insurance Industry; aka
“The Club”
I want to end that for you.
I'm an industry "insider": A licensed member of 
“The Club”
I’ve been inside the insurance business for over 25 years and I know it like the back of myhand: From policy to claims and back again.I've sold insurance.I've studied it.I've discovered what makes "good insurance" -- and what makes "bad insurance".
I know that not all insurance is "created equal".
While we
can’t
control higher taxes, rising food prices and soaring housing costs,
it is possible for you to get a handle on your auto insurance costs.
If you have been frustrated by confusing insurance policiesand constantly rising premiums,
then this is the report for you 
!
You’re about to learn some KEY STRATEGIES that, if applied properly, can provide youexcellent protection while saving you money.
 
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During the period from 1985to 2005, auto insurance costsrose 40% faster than theoverall cost of living. Withthis kind of increasing burdenon your already stretchedconsumer dollar, it isimperative to get a handle onyour insurance premiums.
Some people are paralyzed by simple buying decisions.
Should I have collision coverage on my 15 year-old car?
Would it make more sense to have a $500 deductible instead of a $100deductible?
Since I have adequate medical coverage at work, do I really need medicalpayment coverage on my car insurance as well?I’d like to show you how nearly all of your auto insurance-buying decisions can besimplified by answering a few simple questions for yourself.With the overall cost of living swelling up around us, and insurance taking an increasinglylarger portion of our income, it is important that we leave no stone unturned incontrolling our insurance dollar!
Your agent must be willing to invest the time required topersonalize your auto insurance coverage
Your agent must be experienced enough to know the ins and outs of the rating rules of the insurance company.Each company has rating and underwriting rules that, if properly applied, can save you big dollars on yourpremium.I’ve been helping people make
SmarterInsurance
decisions for over 25 years. I’ve learned that it’s importantto methodically discuss your needs and to create the right policy FOR YOU.Just a little time invested now will save you hundreds of dollars and ensure that when that moment comes andyou need to actually
FILE A CLAIM
, your policy will be there to pay the damages and keep your personalassets from being wiped out by a large judgment against you.
Your car is one of your most valuable assets. It is also one of the most dangerous. Dangerous interms of the harm it can cause -- and, when there's anaccident, thedamage it can do to your financial security.
Some of the methods described below require personal and concernedattention. Agents that are too busy to sit down with you and devote thekind of time required to milk every ounce of protection out of yourinsurance dollar
don’t deserve your business
. If your agent is hard toreach or doesn't appear to be giving you a 100% effort, then find anotheragent!
 
One of the most important parts of your strategy is your agent and the working relationship that you share.
 
Page 3
WHAT’S ADEDUCTIBLE…
A deductible is simply the portion of a loss that you are willing to payBEFORE the insurance companybegins to pay. Forexample: Yourun into just a little brick wall.No damage to the wall,but it’s going to cost$862 to fix your car. If you have a $100deductible, you’d paythe FIRST $100 and the insurancecompany would pay the rest.
YOU: $100Insurance Company: $762
If the damage to your car is only $87,you’d just pay the whole thingbecause it didn’t exceed your $100deductible.
Now before we get into the specific strategies to slash your insurancepremiums, let’s talk for a minute about your financial picture…
Insurance is simply the management of risk. Owning and driving an automobile is a risk. You risk injury, lossof your vehicle, and potential liability for damage to others. When you purchase insurance it’s merely anagreement with the company to transfer some of your risk to them. You are saying, "I don’t want to assume allof this risk myself. In exchange for my premium dollars, the insurance company will suffer some of thefinancial loss instead of me." With this thought in mind, you must decide
how much risk to transfer
and indoing so; decide how much risk you are willing to keep yourself in the form of deductibles and coverages youmay decide NOT TO PURCHASE...
Just stay with me now, this isn’t as difficult as it sounds.
Before we can get to ways to save money on your premium, you need to take a short look at yourfinancial picture. Before choosing whether to take a$100 or a $500 deductible on your collision coverageyou first need to decide that you can reasonably afforda $100 or a $500 deductible. So let’s take a moment todiagnose your
"loss threshold."
 
Now let’s say you go out and buy a $3picture to hang in your bathroom. Are yougoing to insure it? Of course not! Now yougo out and buy a famous $252,000masterpiece painting. Are you going toinsure it? Unless you are a multi-millionaire, you certainly will. Somewherein between the $3 print and the $252,000masterpiece is your
loss threshold 
. Your
loss threshold 
is the amount of money youcan stand to lose without doing any greatharm to your daily lifestyle or your peace-of-mind. In the above example, differentpeople will have different thresholds.
There is no right or wrong answer, it’s just what’s comfortable for YOU !Just one more thing then we’ll hit the SAVINGS part!!! I promise…
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