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How to find the best insurance company for you

1.

Ask your insurance company What are the top three things that should be on your list of concerns when applying for coverage? 

The first thing to consider is what you need, and what you can afford.

For example, if you are considering car insurance and want coverage for a car, you probably don’t want to pay an extra $1,500 a year for a company that covers the whole car and not just the engine.

But if you’re an older, sicker or younger person, the $1.5 million cost per person per year can be significant.

A better answer might be, “How much does it cost per year?”

A good way to find out is to compare rates between companies.

In the case of car insurance, you can get quotes from many insurance companies, including: Aetna: $1 million to $5 million per year, depending on how expensive the company is, according to The Insurance Information Institute. 

Cigna: $3 million to more than $10 million, depending. 

Humana: $2.4 million to up to $8 million per person, depending, according