Tips for getting the best insurance quote.

General insurance tips:

1. Have your current insurance policy in front of your when requesting your insurance quote.
2. Consider a higher insurance deductible.
3. Consider placing all of your insurance policies with the same company to qualify for a multiple policy discount.

For a car insurance quote

1. Be sure all vehicle discounts are applied (Anti-lock brakes, Alarm system, daytime running lights, vin-etching, etc.).
2. Take a defensive driving course.
3. Be very accurate about your mileage to and from work.
4. Ask about affinity discounts (AAA, Sam's club, etc.).
   

... For a life insurance quote

1. Consider level premium term insurance.
2. If you are a smoker, stop for at least 13 months and request that your insurance company consider you for a nonsmoker insurance rate.

... For a homeowners insurance quote

1. Be sure that your home is insured to value
2. Be sure all home discounts are applied (Alarm, smoke detectors, fire extinguishers, dead bolt locks, etc.).
3. If your older home has been renovated, tell your agent.

... For a health insurance quote

1. Consider a higher co-payment or deductible.
2. Find a group insurance plan (Chamber of commerce).

... For a long-term insurance quote

1. Consider a longer elimination (waiting) period.
2. Buy coverage when you are young (premiums are lower).
3. Pick a daily benefit based on where you live.

... For a business insurance quote

1. Be sure you are not paying for coverage that does not apply to your business.
2. Ask your agent if there is a special program for your type of business.