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Insurance Hot Tips

Do your homework when selecting insurance providers

When shopping for insurance it is a good idea to do a little homework first. We recommend that you shop around, and select your insurance provider carefully. Prices and service can vary and your provider should offer both fair prices and excellent service.

Know the auto insurance requirements of your state

Requirements vary from state to state. Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional.

Create your personal auto insurance profile

Take the time and make a list of the following information:

• Type of vehicle(s) you drive
• Where you live
• Where you drive (locations/distance)
• Who are the drivers to be covered under your policy and what are their driving records
• List your car's optional safety features
• This personal profile will make it easier as you comparison shop for the best insurance policy for your personal needs.

Compare Insurance Companies and Prices

You will find that prices for the same policy coverage can vary widely, so it is to your benefit to shop around. Ask your friends for referrals, check your telephone directory, and call your state insurance department for guidance. Of course, our team of professionals are standing by to be of service to you. Don't select by price alone. The lowest cost is not necessarily attached to the best policy for your needs. In addition to the cost consider the coverage offered and quality of service available to you.

Read your policy carefully

Many people never take the time to read the insurance policy they purchase. It is important to read the fine print. Make sure you ask questions about anything you do not understand. Keep your policy where you know you will find it when needed. Keep in touch with your insurer to keep your policy up-to-date. Notify your agent of any changes such as a new address, new car, new job, new driver, etc. Also, be sure to ask them periodically about any possible discounts that you might be entitle to receive. Take the time to review your policy every year with your insurance provider.

Keep your auto insurance information with you

Your state may require drivers to carry "proof-of-insurance" with them when driving. Ask your insurance provider for a card or certificate and keep it in your purse, wallet or in your car.

If you need more information or assistance with your insurance decisions, our team of professionals are standing by to be of service to you.

At My Twin Cities Home we will search a variety of companies to try to get you the best policies for your needs. We work with lots of different providers so you have a great selection of what is available in the marketplace.