Normally, $4,000 is the threshold at which you can drop collision and comprehensive.

But the sprinkler systems aren't cheap.

You might find these systems are so expensive that it doesn't equal the savings.

It's quite possible you have more than $30,000 of personal possessions.

You want to insure that if [your home] is completely destroyed, you can replace it. That means looking at building costs, and these building costs go up and down.

Consumers should also be aware that they don't have to buy the package [of collision and comprehensive coverage]. If your vehicle is older, if you have a good driving record and if there is a low likelihood that it would be totaled in an accident, but a high likelihood of it being stolen, you could buy comprehensive but not collision.