2. Do not buy what you do not need:
This point is very important and the previous step is the best solution. Each insurance covering several points may not require much. For example, there is a deposit of money and a deposit of gold, the latter including services not provided by the first, such as the safeguarding of your car suspended in the middle of a road, the coverage of accidents in the countries neighbors and compensation for loss of valuable personal property. For example, if you never go out on the road, you do not need to travel to neighboring countries and generally do not have valuable goods in your car. So, what is the Da’i to pay a higher amount for gold insurance that provides you with services you will never need ?!