Is it good to fish where there is heavy foliage for fish?

Lakes around here have lot of foliage and tall grass growing near the bank.
I usually fish from shore and currently is investing in a boat. I’ve been told that large fish love heavy foliage. Thing is I hate loosing my crank baits and spinners in the plant material just to reel in grass. Whats a solution to this??

Powered by http://answers.yahoo.com