• Shares Risk – By pooling premiums, insurance spreads financial risk so one accident doesn’t wreck your savings.
  
  
• Right Policy Matters – Pick coverage for the things you own and the people who rely on you.
  
  
• Costs Vary – Age, location, habits, and plan type change how much you pay; low premium often means high deductible.
  
  

Be Prepared – Knowing terms like premium, deductible, copay, coinsurance and checking for recalls keeps you protected and in control.