We believe very substantial savings can be made without in any way putting at risk quality.

"Once you get into the 10th, 11th, 12th months, it's very hard to realize any substantial savings."

But for the buyer, there are some substantial savings, she said.

Combining several policies with one company can result in substantial savings.

However, those who make $125,000 to $260,000 will see substantial savings from the personal income tax.

"At a million tons a month, you can see pretty substantial savings."

In many instances, it will lead to a substantial saving.

As in any other industry, there are substantial savings to be found.

These advantages lead to substantial savings in time, worry and money.

"Taking these things into account, I think there is substantial savings," he said.