- 1). Call at least three agents to ask for pricing.
- 2). Ask for proposals in writing.
- 3). Make sure you plan on sufficient liability coverage to protect your assets.
- 4). Consider whether you need secondary coverage, like emergency road service and rental reimbursement.
- 5). Tell the agent if your car is mortgaged or leased.
- 6). Make certain the agent inspects your car and verifies the odometer reading and vehicle identification number.
- 7). Know the value of your car.
- 8). Consider dropping collision and comprehensive coverage if your car has lost most of its value.
- 9). Choose the highest possible deductibles, if such coverage is necessary.
- 10
Ask about discounts for age, good driving history or insuring multiple vehicles with the same company.
