Eight steps to getting the right insurance policy at the right price

Comparing insurance policies is tough. However, by following these eight steps, you can simplify the process and find the right insurance policy for you.

7. Review the policy

Insurance Institute for Highway Safety/PRNewsFoto
A 2013 Honda Accord undergoes a small overlap frontal crash test. Pay special attention to rates, accident forgiveness, safe driving bonuses, rewards, and replacements when reviewing your auto insurance.

Before signing a policy, read it closely to be sure the terms match the premium and coverage you were looking for. Watch out for any language that will give the insurance company more flexibility than you would like in covering a claim.

For an auto policy, pay special attention to the rates, accident forgiveness, safe driving bonuses, rewards, and replacements. For life insurance, make sure you understand the level of coverage you need, the different kinds of insurance policies, the premium payments, renewal policies, and how many people are covered.

7 of 8

Dear Reader,

About a year ago, I happened upon this statement about the Monitor in the Harvard Business Review – under the charming heading of “do things that don’t interest you”:

“Many things that end up” being meaningful, writes social scientist Joseph Grenny, “have come from conference workshops, articles, or online videos that began as a chore and ended with an insight. My work in Kenya, for example, was heavily influenced by a Christian Science Monitor article I had forced myself to read 10 years earlier. Sometimes, we call things ‘boring’ simply because they lie outside the box we are currently in.”

If you were to come up with a punchline to a joke about the Monitor, that would probably be it. We’re seen as being global, fair, insightful, and perhaps a bit too earnest. We’re the bran muffin of journalism.

But you know what? We change lives. And I’m going to argue that we change lives precisely because we force open that too-small box that most human beings think they live in.

The Monitor is a peculiar little publication that’s hard for the world to figure out. We’re run by a church, but we’re not only for church members and we’re not about converting people. We’re known as being fair even as the world becomes as polarized as at any time since the newspaper’s founding in 1908.

We have a mission beyond circulation, we want to bridge divides. We’re about kicking down the door of thought everywhere and saying, “You are bigger and more capable than you realize. And we can prove it.”

If you’re looking for bran muffin journalism, you can subscribe to the Monitor for $15. You’ll get the Monitor Weekly magazine, the Monitor Daily email, and unlimited access to CSMonitor.com.

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