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    Here are nine tips for getting the best car insurance deals. Shop around Get a quote from at least three reputable insurance companies so you can compare prices and coverage.

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    Rates will vary from one company to another, and the lowest priced insurance may not give you all the coverage you need. Look at price, amount of coverage, benefits and claims services before you make your decision.

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    Adjust your insurance policy If a company quotes their best car insurance price and it's slightly outside your range, you may lower it by making small changes. A higher deductible on your vehicle, for example, may lower your rate. Keep in mind though, that if you were to file a claim, your out-of-pocket expenses could increase.

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    While you're tweaking your policy, also consider your coverage limits. You may be paying for more coverage than your state requires.

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    Make sure you have the coverage you want, based on your needs. Combine insurance policies You may save on your auto insurance policy when you insure more than one vehicle.

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    Maintain a good credit rating Most insurers will figure in the strength of your credit rating when determining the price of your policy. A higher credit score could mean lower rates, so take care to maintain a good rating. He is the publisher of WealthPilgrim.

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    He has been a professional financial advisor since and is the editor of www. Considerations when choosing a life insurance company Top Stability of the company Life insurance is a very long-term proposition.

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    Policyholders need to be as sure as possible that the life insurance provider is going to be there to fulfill its obligations. The need for company strength and stability cannot be overemphasized. Look for any change in ratings from year to year.

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    Review each providers' financial statements for continuity and profitability. Policies Most large carriers offer a full menu of insurance products.

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    A large selection of available insurance products might become more important to you as time passes because your needs change over time. If your carrier allows you to easily upgrade or downgrade to a different kind of life insurance policy, it might make all the difference to you and your family.

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    Structured to insure you over a set period of time. A form of permanent insurance structured to insure you over your entire life.

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    Permanent insurance with fixed premiums and returns. Permanent insurance that invests in mutual funds providing potential greater returns and losses. Permanent insurance often purchased by couples that pays off after both parties pass away.