In this week's tips we get back to the basics to save money. Part of what has happened in this industry is consumer pressure to improve and offer coverage that has insurers around the country sitting in a severe loss situation that is affecting profitability industry wide. Products like towing, diminishing deductibles, and zero glass deductibles. While offering mechanical and electrical breakdown and service line coverage on the home increasing claim frequency and policy use coupled with increasing weather conditions, parts and construction pricing, inflation, it is not a good scene for the insurance industry and consumers are feeling it big time in their home and auto rates and will continue to do so. While this industry maneuvers itself through these changing times getting back to the flat basics is the best way to save on your home or auto policy. No frills, just the actual need coverage "SHOULD" something happen, and you need insurance assistance for that incident. If you want to save and are truly looking to utilize your insurance when you absolutely can't afford the loss yourself. That is the original intent of insurance by the way. Catastrophic loss. A rock chip, you should be able to handle, windshield even. Back in the day people saved money for those types of incidents and the truth is you likely pay less than the insurance carrier for those repairs. We ALL got us here, to these rates, by demanding more for our American dollar. Put that American dollar to better use by saving some of them, and saving on insurance by using only what you really need. We've gotten far too comfortable piling things on, supersizing things, getting something for virtually nothing, but we always pay the price. If you want the spoils in insurance in the future, open that wallet wider. If you want to save, use less, buy smarter, challenge yourself to drive safer and utilize those discounts on the tracking systems carriers offer and have a professional partner to keep your coverage needs where they should be.