Maximizing Coverage Now, how can you maximize your coverage, minimize your expenditures and make sure you have quality insurance? Here are some tips to do all those things. Know what you need and what you have. Determine for yourself what you need and want from a policy. Shop around. You are the most important consideration in buying insurance. Play agents against one another to find the best price for the policy you want. Make certain the company underwriting your insurance is reputable. Ozark Jimmy's insurance may be perfectly solid but consult consumer agencies to make certain. Ask about discounts. Take the highest deductible you can afford. The higher your deductible, the lower your payments. Consider buying a vehicle that insures at a lower rate. A new Volvo and an old Studebaker do not insure at the same rate. Weigh the effect of commuting on your insurance rates. Insurance rates are often higher for cars that are used for transportation to work. If your car is worth less than $1,000, forgo comprehensive and collision. You'll wind up exceeding the car's worth in insurance premiums.

How to Buy Auto Insurance
Types of Auto Insurance
How to File a Claim
Choose the Right Body Shop