Time. Where does it go?

If you are anything like me, you stay busy.  Not intentionally, but with stuff. Life stuff. Kid stuff. Spouse and Parents stuff. But, stuff molds us, and often creates happiness in our life.

So here is some Insurance Stuff that will make you think about your own stuff.

I want you to think about your Auto insurance today.  TV commercials are bombarding you for their attention about how to get cheaper insurance.  But if you're like me, I ask, "What's the catch?"  Go with what you know.  And here is a list of Top 10 items you need to know when you go shopping for auto insurance.

1. Know your privacy rights

2. Find your current policy for pertinent information (drivers, vehicles, limits, etc.)

3. Vehicle Identification No's (VIN)

4. Birth dates and Driver License numbers of all household drivers

5. Ask your agent about Bodily Injury/Property Damage (BI/PD) limits. State limits are convenient and may provide lower premiums; but in the event of an accident, if you don't have enough coverage, then you are financially responsible.

6. Driving history and claims can directly affect rates

7. Comprehensive with Full Glass Coverage is a great incentive to many buyers. My advice, don't abuse it, it's still a claim.  Yes, a Glass Claim.  This feature to a policy is not a maintenance program, and glass can cost several hundred dollars to replace. As mentioned in #6 - Claims can and do affect rates. 

8. Ask for Electronic Funds Transfer (EFT) and Paperless Billing Delivery (ebills) for additional discounts.  We all are looking for ways to save a few dollars.

9. Students: Grades will reward you! Even in the insurance world.  Good Grades = $ Saved

10. "Know what to do when involved in an accident."  Many companies offer Accident Scene Information Tips to keep in your vehicle glove compartment.  You will probably forget to obtain some information that will be pertinent to an accident.  These checklists are helpful when you are distracted.

I hope you learned something new, and maybe you'll even share this with a friend. If so, then I hope this Insurance Stuff has made it less stressful.