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When a senior lien forecloses, a junior lien is wiped out.

So if the first mortgage holder forecloses, the second mortgage trust deed goes away. If the second forecloses, you’ll still owe the first.

Oftentimes, if a senior lien forecloses, the junior lien holder will send a representative to the auction to defend its interests by making sure the property goes for enough to pay the junior lien as well. Or they buy it themselves with the idea of reselling. Costs money, yes. But better than losing their whole investment.

keeping your car insurance rates as low as possible?
I don’t think I have any Earth-shaking revelations here, but this is what works for me:
1) Shop around - I found a huge difference in quotes for the same coverage.
2) Elect higher deductibles - if your financial position supports this, go for it.
3) Consider dropping collision coverage on older cars, perhaps even collision AND comprehensive on older cars that are also a second car.
4) Put all your vehicles, or combine home policy and car policy, with one insurer. This may result in further discounts.
5) Check to see if a driver training course will lower your rate. It may pay for the course in a short period of time.
6) Drive carefully! You’ll reduce your chance of an accident that may affect your rates.