Should I Buy Term Life Insurance or Cash Value Life Insurance?

Advantages and Disadvantages of Term Life Insurance

When shopping for auto insurance, find an agent that can offer competitive prices and good service.
Don't be focused on getting the minimum amount of insurance protection. Look more at your situation, your assets, size of family traveling with you, etc.
Get PIP or personal injury protection if you do not have health insurance.
When comparison shopping, remember companies quote differently, some monthly, some annually, some qualrterly and some semi annually.
Meet with an insurance agent if you want someone local. But remember, an in face meeting can take over an hour of your time. Make a few appointments, bring your personal auto insurance profile with you, and ask questions. You want a fair price AND quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes. Compare Again: Consider cost, coverage offered, and quality of service available. Select your insurer. Read your policy: Yes, even the fine print! Ask questions. Keep your policy at hand. Call your insurer to keep your policy up-to-date, inform your agent of any changes (new car, new job, new driver, etc.), and ask periodically about any possible discounts. Review your policy yearly with your insurer. Keep your insurance information with you: Many states require drivers to carry a proof-of-insurance card with them when driving. Ask your insurer for a card, and keep it in your wallet or in your car.