[twobjshelbys]

I raised my deductibles which saves premiums. We got caught in one of these a bunch of years ago on a homeowners claim. A windstorm blew something into our air conditioner and we put in a claim to replace it. The premiums went up way more than the cost of the entire unit had we replaced it ourselves. Same thing for our autos. I think I have 5K deductibles. Also don't believe this "accident forgiveness" BS. It may work on your carrier but if you change carriers you will still get dinged for the surcharge.

My wise old daddy told me when I was young and deciding what to do when I grow up that I should be a banker or an insurance company. Neither will (properly managed) lose money...