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.

8. Cancel the old policy

Reed Saxon/AP
Newlyweds Nicole Angelillo and Gerald Sapienza, both of Chesapeake, Va., are seen at the very top of the Farmers Insurance “The Love Float,” in the 124th Rose Parade in Pasadena, Calif., Tuesday, Jan. 1, 2013. The couple was married aboard the float just minutes earlier by nationally syndicated radio personality Sean Valentine, center.

But wait. Don't cancel your old policy until the new policy has been finalized. It's better to have a day or two of overlap, rather than going a day without being insured. In fact, many states require that you secure a new insurance carrier before leaving the old one. Furthermore, it is illegal to drive without auto insurance coverage, so if you are switching, make sure there is some overlap time. 

– Richard Quadrino is the co-founder of QuadrinoSchwartz.com, an insurance litigation firm with offices in New York City and Garden City, N.Y.

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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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