Compare rates. “Get as many quotes as you can” online from insurers or from such rate aggregators as AnswerFinancial.com, InsWeb.com, and NetQuote.com. You’ll start getting a lot of e-mails and calls from insurance agents, but the research can “shave hundreds” off your bill.
Raise your deductible. Cost-saving adjustments should start with your deductible: “Push it up to $1,000”—unless you truly can’t cover that amount out of pocket.
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