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