Do I want an Agent? ? The agency system has been around a long time. The value of a good insurance professional is very high to a lot of people. They like having someone to counsel them on insurance. They don?t like dealing over the telephone or the internet.

Insurance Company ? Once you decide on whether you want an agent or not then you can narrow down the field of insurance companies. You might want to select some familiar national names along with an independent agency.

All in One ? There is a good chance that you will find lower cost car insurance by combining all of your insurance with one company. The multiple policy discounts along with the convenience makes it worth you time to compare your auto, home and even your life insurance.

Insurance Coverage ? The shopping experience is a good time to get creative and ask a lot of questions about discounts and vehicle types. Question the need for coverage and buy what is most important to you.

Self Insuring ? The days of low deductibles are slowly vanishing. Low deductibles are expensive and not worth the out of pocket expense. Higher deductibles means you are self-insuring for the first $500 to $1000 on collision and or comprehensive. This will save you thousands of dollars over the lifetime of the policy.