1.  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.

2.   Don't Over-insure
Choose only the coverages you need.  For example, if your car is over 5 years old, you may want to drop collision insurance.

3.   Don't Under-insure
Saving a few dollars up front could cost you a significant amount of money at a time of loss.

4.   Select The Right Deductible
By "self insuring" what you can afford, deductibles can save you significant premium dollars. But remember, the deductible comes out of your pocket if you are more than 50% at fault in an accident.

5.   Choose The Appropriate Limits
Don't underestimate jury awards often they are astronomical.  Consider liability coverage carefully.

6.   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.

7.   Ask About Discounts
Some insurers offer multiple car discounts and safe driver discounts -- even discounts based on years of experience or retirement status.

8.   The Comprehensive Coverage Question
Without this option, you will not be paid for fire, theft, vandalism or other losses out of your control.

9.   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.

10.   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.

11.   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.

12.   MOST IMPORTANT Talk To Us
We're independent agents representing several companies that want to compete for your business.  We "shop" for you.

When you consult with us, we'll help you make all of the right auto insurance decisions.  Most important, at a time of loss, we represent your interests, not those of the insurance company.  In the event you have a claim, you can count on us to work with you for a fast, fair cash settlement.