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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.

3. Look for discounts

Koji Sasahara/AP/File
A vehicle stops automatically during a demonstration of Toyota Motor Corp.'s intelligent clearance sonar, which helps drivers avoid a rear-end collision, at its Higashi-Fuji Technical Center in Susono, southwest of Tokyo, in this November file photo. Insurance companies often offer discounts for car safety features.

Insurance companies frequently offer discounts for certain life choices, good health, or good driving history. Less obvious discount possibilities can include installing car safety features, certain occupations, high grade-point averages for students, and bundling options with other insurance plans. If you have a poor driving record that is about to be removed, wait to apply for new insurance until your record is clean. For a break on life insurance, apply when you are younger, quit smoking if you smoke, and exercise regularly.

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