Checked your insurance rates lately?

As an insurance professional, I know the importance of carrying the proper insurance. I also know how confusing insurance terms and conditions can be for people. So every year about a month before my policies are set to renew, I do some comparison shopping. It never hurts to shop around. Any company that will flat out guarantee you that they are offering you the lowest rates, usually isn't. I do both my homeowners and auto at the same time, same place. But being in this line of work, I know what to look for and what to ask. It pays to do your homework when it comes to car insurance coverages, rates and companies. There are several good articles on this website, carinsurance.com to help you navigate the ins and outs of the insurance lingo. There is a comprehensive state by state guide that explains what is required by your state. They also have articles about rates and why they increase or go down, claims, easiest cars to insure and a complete glossary of insurance terms. In addition to the information, you can get a quick insurance quote. That will give you a great starting point on your search. When looking for a new quote, make sure that you have your current insurance information handy so that you can give them the correct information. No use comparing apples to oranges if they give you a lower rate but it turns out to be less coverage. And keep in mind that a less coverage doesn't always guarantee a lower rate. And while an agent is to look out for your best interest, the bottom line is their business.