A tip to save you money $$$.

[Bob Orts]

Make sure when comparing policies that you are also examining all the features, provisions, conditions, waivers, and addendum’s side by side before looking at the price. P&C Insurance companies are notorious for providing lower price quotes than their competitors by sweetly reducing or eliminating coverage without you being aware that it was done. The rely upon a consumers automatic enthusiasm over a sudden price reduction that they figure you may not look deeper into the policy. So, I would recommend when shopping for a replacement policy that you first obtain a complete listing of policy provisions along with policy rates for each item. Armed with that sheet, you can now ask for rates based on a duplicate policy, not just the commonly asked and covered items.

To use an example mentioned, your current policy can have a not at fault zero deductible where you pay $0 deductible if the accident wasn’t your fault. Your new policy could require you to pay that deductible no matter what and only get reimbursed if they recover it from the person at fault. Your current policy could have a immediate rental coverage for like class vehicle, while the new policy could be quoted with a covered rental after they process the claim and only for payment to cover a small rental car. Your old policy could cover full cost based on OEM by a dealer while the new one could be discounted after-markets at their “approved” (cheap as possible) vendors.

So as already mentioned, make sure you are comparing Fresh Picked Macintosh Apples Without Pesticides to Fresh Picked Macintosh Apples Without Pesticides.