• Consider adequate hospitalization insurance before buying auto insurance which covers medical treatment for bodily injury in an auto accident
• Do not apply for Collision coverage if you are old model car owner – the amount paid in a claim takes depreciation into account thus you can receive considerably less than the cost of a replacement vehicle
• Do not forget - discounts apply only to certain parts of the total policy, so they do not necessarily result in huge savings
• Do not cancel your insurance policy before it expires – it may decrease your chances of obtaining auto coverage in the future
• If you are in a crash - ask for "Diminished Value" compensation. Diminished value compensates you for the loss of market value your car suffers after an accident
• Ask about A.M. Best rating ( which tells you its ability to payoff) –you could avoid Insurance rip-offs
• Review your policy and coverage annually – your needs and preferences could change
• Do not cover the cars you do not motor

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