• Purchase the amount of liability coverage which makes sense for you.
• Select the optional coverages you want.
• Decide which company to purchase insurance from.
• Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.

Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.

1) covers the property of the insured and 2) provides personal liability coverage to the insured.

• Get the amount and type of insurance that you need.
• Determine the amount of personal property insurance and personal liability coverage that you need.
• Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?