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A Few Small Tweaks Can Change Your Insurance For the Better (Forever)
Insurance policy tweaks allow individuals to align coverage with infrequent large claims so they pay less while retaining essential protection. This approach does not cover small or frequent losses. Policy declarations specify the deductibles and limits that determine when claims qualify under state insurance rules.
Written and reviewed by Steve White, Owner, NPN License#: 19284005 · Initially published September 22, 2026
3 Ways To Pay Less & Get More Out Of Your Insurance
There are 3 simple ways to pay less and get more for your insurance.
But before you proceed you should keep this one principle in mind. This is a fundamental principle that we should all be taught in school (but most aren’t).
Here it is.
*Insurance is designed to work infrequently and when damages are large.*
Think about that for a second. That means you should NOT use it often and when you do, the claim should be large(r) in nature. (that said, always consult with your Agent on potential claims, not turning one in timely can jeopardize coverage)
Now if you’ve had a chance to REALLY digest that, for most people, that should forever change the way you set up (and use) all your insurance.
You should be thinking, how can I set up my insurance so it works with how it is actually designed to work?
That is tough for many to think, because many have been programmed to think that low deductibles are great. That’s simply not true.
Let’s take a deeper look at what you can do to maximize your coverage and keep more of your own money.
A New Approach (You can implement immediately)
1. Deductibles- carry the highest deductibles you can reasonably afford to pay for if you had a loss. This helps in two ways:
Key takeaways
- 1You pay less for your insurance over the long term. This also discourages you from filing smaller claims that most often end up hurting you more than had you paid out of pocket. Companies rating systems look at frequency, type, and severity of claims. While filing a single small comp claim usually has a minimal impact, you will many times lose a claims free discount, and subsequent claims filed in the next 3-5 years can have a multiplier effect.
2. Liability Limits- buy as much as you can reasonably afford- this is your…
2. Liability Limits- buy as much as you can reasonably afford- this is your first line of defense in a lawsuit. It is what protects people from coming after your personal assets. Read more here:
https://www.cbsnews.com/news/why-you-need-more-liability-insurance/
3. Claims- Insurance works best these days filing low frequency and high severity claims. Meaning don’t file claims often, but when you do, try your best to verify that coverage is likely and that the claim is larger in terms of damages. It works worst when there are multiple small claims of any type.
This is the EXACT same strategy I use in my own life, on my own insurance policies. After all, even me, as a long time Agent, would rather not have to call in a claim. It’s disruptive, there’s never guarantees, I know it can (most likely will) have some effect on my renewal. But that said, when I finally do call them, I want have as much coverage in place and available as possible, so I can can be fairly compensated for whatever the loss may be.
Use this as starting point for building a long term plan that keeps your coverage high, more money in your pocket, and fewer disruptive claims in your life.
And be sure to find a good, experienced Independent Insurance Agent to help your specific needs.
Client Stories
Real stories, real trust
“I came to Steve with home and auto insurance needs. He made the process seamless while buying my first home. He walked us through the different coverages, and helped us understand what was and wasn't needed. He handled all the coordination with the lender, making it one less thing we needed to worry about. Appreciate all your help, Steve! Looking forward to the continued partnership.”
“Steve is an excellent agent. If you’re looking for an agent who will take the time to make sure your properly covered, he is the best choice. He is knowledgeable on the elements of “what ifs” that come with insurance, you can trust Steve will know the answers or take the time to find out. He is friendly, professional, and will ensure he’s offering you the best options to protect your family or business.”
“I highly recommend Steve White as an insurance broker. When I was migrating from one insurance provider to another, Steve was extremely helpful and responsive—he was the first broker to call me back, the first to offer clear solutions, and he answered all of my questions within hours of my initial outreach. I contacted four different brokers, and Steve stood out immediately for his speed, professionalism, and follow-through. Since engaging with him, we’ve identified excellent carrier options, reviewed every aspect of my coverage in detail, and ensured I had a clear understanding of my policies. I couldn’t have been more pleased with how authentic, collaborative, and thorough Steve was throughout the entire process.”
“I’ve worked with Steve for 6 years and he’s always been proactive shopping rates to save my family money on home and auto insurance. I now have several friends that are working with him as well. Highly recommend his services.”
“We have been doing business with Steve for a number of years. He provides excellent, personal customer service and is very responsive when we contact him. Every year he shops for the best coverages at the best prices for our auto and homeowners insurance. When we have questions, he explains everything thoroughly and handles any dealings with the actual insurance company for us.<br>Steve is a nice guy and very knowledgeable about insurance.”
“Five stars don't seem like enough for the level of dedication Steve White Insurance Group showed in finding the right insurance for my type of business. Steve White went above and beyond, tirelessly exploring various options and navigating complex requirements to secure the best possible coverage at a competitive price. It was clear they invested significant time and effort in understanding my unique needs and advocating on my behalf. Their persistence and commitment to finding the ideal solution made a potentially stressful process surprisingly smooth. I highly recommend them to any business owner looking for an agency that truly goes the extra mile! I am very grateful, Diana Stewart”
“Steve is a knowledgeable professional. I have been using him for over 5 years and he has saved me money and improved my home and auto coverage. When I have had claims, Steve has been there to help walk me through the process. Since Steve is independent, he is always look for better coverage at a better price. I highly recommend Steve White Insurance.”
Editorial standards
Written and reviewed by Steve White, Owner, NPN License#: 19284005, Steve White Insurance Group.
Steve White is an experienced independent insurance agent specializing in personalized coverage solutions, risk evaluation, and multi‑carrier underwriting. He operates stevewhiteinsurance.com, serving clients across Highland Village and the greater DFW area with fast, precise, and highly structured guidance. His expertise includes home, auto, commercial, and specialty insurance lines, with a focus on clarity, efficiency, and long‑term protection strategies. Outside of his insurance practice, Steve is deeply involved in youth baseball, fishing, travel planning, and cooking. He is known for a direct, fast‑paced communication style and a preference for organized, actionable workflows.
Published September 22, 2026. See our editorial process. How we use AI.