Most people who buy insurance incorrectly focus only on the cost of the premiums. No one has ever gone bankrupt because of their insurance premiums, but many people have gone bankrupt because of uncovered claims.

  The lower your deductible, the more your agent makes in commission! Keep this in mind if your agent is advising you to have a lower deductible. You can often save A FORTUNE by raising your deductible by just $500. The average driver in AZ has an auto collision once every 15 years! Your deductible will not be an issue very often!

  Think car insurance is boring and difficult to understand? Because of this attitude 9 out of 10 drivers in AZ are paying for an insurance policy that won’t even cover them in the event of a serious car accident.

Dave gave a presentation to a group of professionals on various areas of insurance. He spent considerable time talking about auto insurance and helped everyone in our group realize how underinsured most of us were. I was paying $100/month and after a review by him, I now am paying less for much more coverage and, because of Farmers' bundled coverage, I have a new $100,000 30-year term life policy essentially for free. It took very little time to do and I have begun referring my friends and collegues to Dave.

-- Jamie Kahn - Ahwatukee, AZ