One method is to make claims against the policies of more than one vehicle that you have insured. (carinsurancequote.net)
It's in the insurance company's best interest, your best interest, and the best interest of all policyholders to make sure that any liability claim against a policy is properly defended. (effectivecoverage.com)
Do, however, feel free to make legitimate claims against your policy when you have a loss that you can't bear on your own. (effectivecoverage.com)