#1 of 12 - Opt For A Stable Insurer While most insurers provide fair settlements, time is money, too. Be sure the carrier you choose has a reputation for fast claim service.
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#2 of 12 - Do Not Over Insure Your Vehicles Choose only the coverage you need.
For example, if your car is over 5 years old, maybe you should drop collision insurance.
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#3 of 12 - Don't Under-Insure Saving a few dollars up front could cost you a significant amount of money at a time of loss.
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#4 of 12 - Select The Right Deductible By "self insuring" what you can afford, deductibles can save you significant premium dollars.
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#5 of 12 - Choose The Appropriate Limits Don't underestimate jury awards often they are astronomical. Consider liability coverage carefully.
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#6 of 12 - Excess Liability This is economical coverage that picks up where your auto (and homeowners) liability leaves off. It can save huge amounts in the event of a monumental large judgment against you.
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#7 of 12 - Ask About Discounts Some insurers offer multiple car discounts and safe driver discounts -- even discounts based on years of experience or retirement status.
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#8 of 12 - The Comprehensive Coverage Question Without this option, you will not be paid for fire, theft, vandalism or other losses out of your control.
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#9 of 12 - Uninsured Motorist Coverage This is an important dollar saver in the event you are the victim of a hit and run driver, or one without insurance.
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#10 of 12 - Towing and Replacement Vehicles Following an accident, without this coverage, you might have to go "out-of-pocket" to move your auto or rent a replacement car.
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#11 of 12 - Collision Coverage If you have a car loan, this insurance is required but you should protect your interests too in the event your car is badly damaged by unknown persons.
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#12 of 12 - MOST IMPORTANT - Talk To Us We are independent agents representing several companies that want to compete for your business. We'll do the "shopping" for you.
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