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.

First thing to do is talk to your insurance agent to determine if you have the right coverage for your risk, (car, home or ?).  Once you determine what coverage is needed adjustments should be made to meet your budget.