Shopping for insurance is a fact of life for all drivers.
But most of us don't get car insurance quotes as often as we should, says Billy Van Jura, founder of Birchyard LLC, an insurance brokerage in Poughkeepsie, N. Van Jura says policyholders typically should shop for a new policy up to 60 days before their current policy ends.
When two dollar amounts are given for UM/UIM, the first is the maximum payout per injured person in your vehicle, and the second is the maximum payout per accident.
Tip: You don't want to go without this type of coverage, because the risks are too high, says Smith.
If you have a bad accident, will you be able to write a check for the deductible amount?