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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.

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