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If You are buying insurance with coverage, its mean you are saving your money because at the time of brokage or any kind of loss you have to pay only a specific deductible amount, thats it.
When you buy insurance you should sacrifice a small amount of money that is insurance premium to avoid sacrificing a large amount of money upon loss occurrence .
However the insurance company my facilitate the premium payment and allow you an installment payment for the annual premium
Best wishes
