Did you know that while Congress debates budget cuts and global inflation bites harder, your auto and home insurance costs could quietly be marching upward Reader— unless you act now?

🔍 What’s Going On in Washington & the World That Affects Your Insurance

• Congress is spotlighting how insurers price policies — including a bill that would bar rate hikes based on ZIP code, credit score, or education level. (The Markup)
• Global tariffs and supply shortages are pushing auto-part and construction costs higher, leading to pricier repairs — and higher premiums. (PwC)
• Extreme weather damage in 2025 already exceeded $100 billion by June — a new U.S. record. (LiveScience)
• The IMF warns that fiscal stress and inflation expectations are rising globally.

Bottom line: global and political shifts are squeezing everyone’s wallet — and insurance is no exception.

💡 Two Smart Tips to Reshape Your Budget Without Losing Protection

Tip 1: Raise your deductible (for collision/comprehensive).

This reduces your premium without giving up critical coverage.

👉🏽 Do this only if you can afford the $1,000 out-of-pocket.​
If you can’t yet, schedule your FNA (Financial Needs Analysis) so we can align your finances and build your emergency fund to handle life’s curveballs.

Tip 2: If you have full coverage, consider removing “Uninsured Motorist Property Damage.”

Here’s why:

• Your collision coverage already pays for damage to your car, no matter who caused the accident.
• “Uninsured Motorist Property Damage” duplicates that protection.
• Removing it can trim a few extra dollars from your monthly premium — without exposing you to new risk, since your vehicle is still covered by collision.

(But always keep Uninsured/Underinsured Motorist Bodily Injury, which protects you and your passengers’ health if an uninsured driver hits you.)

📋 Ready to Compare and Save?

If it’s been a while since you reviewed your coverage, this is the perfect time.
Click below to compare your auto and home quotes and see if you can save while staying fully protected:

🔗 Click here to compare quotes

Protect your wallet — not just your car.
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P.S. On Wednesday I am going to answer your questions about the false IUL hype on TikTok. Don't believe it.
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P.S.S. I am rebranding and will be sharing my enhanced brand colors and theme. I am excited about your feedback.
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With love and concern,
Helping concerned families make money, save money and get out of debt.

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