California Insurance Guru

Insure your possessions for catastrophic events, not situations you can cover out of pocket.   Keeping this rule in mind will keep your insurance costs down.   You need to have high deductibles which will keep the premiums low.   Again, any losses below the deductible is your responsibility to pay.

Shop around and make sure the quotes you are comparing match your current policy. Talk to the agent about higher deductibles for comprehensive and collision.  The higher the deductible the lower the premium.