| The best way to kick off your research is by | | | | claims procedures after accidents. Take |
| doing a little investigation insurance Web | | | | notes. |
| sites. A good site will list companies | | | | |
| available in your area, prices for both | | | | Read the insurer policy |
| individual and family plans, and any | | | | |
| lower-cost options offered if you meet | | | | Read the policy when you get it. The worst |
| certain income requirements. Make sure your | | | | time to discover what is not covered is after |
| insurer should offer both fair prices and | | | | you have a loss. |
| excellent service. These tips will help you | | | | |
| find the right insurer for you: | | | | Keep your insurance information with you |
| | | | |
| Write out your priorities | | | | Now you have decided, ask your insurer for a |
| | | | card, and keep it in your wallet, handbag or |
| Make a list of the important things to you, | | | | in your car. |
| and bring them up to the broker or insurance | | | | |
| company. | | | | Make sure the agent and company are |
| | | | legitimate before you pay for insurance |
| Compare the brokers | | | | |
| | | | - Never pay cash. |
| The next step is to compare the insurance | | | | |
| quotes to determine which one is the best for | | | | - Get a receipt for all payments. |
| you. Consider cost, coverage offered, and | | | | |
| quality of service available. Confirm that | | | | - Make sure the receipt shows your policy |
| your insurance agent is selling you a | | | | number, date of payment, period of coverage, |
| licensed insurance product. Then select your | | | | and name of insurance company providing the |
| insurer. | | | | coverage. |
| | | | |
| Meet with potential insurance agents | | | | Make sure you feel comfortable with the level |
| | | | of service provided as well as what you may |
| Make a few appointments, bring your personal | | | | need to handle yourself. If you are expected |
| insurance profile with you, and ask | | | | to be the insurance specialist at the time of |
| questions. You want a fair price and quality | | | | the claim, know that ahead so you may elect |
| service. Ask about available discounts, | | | | to consider other options for your insurance. |
| higher deductibles, service options and | | | | |