Driving is privilege, but it comes with a price tag. Shopping for insurance can be very expensive. Auto insurance is a way of sharing the risks of driving. Auto insurance is more than a matter of insuring your vehicle for loss or repairs after an accident. It is a financial safety net that will help you to be certain that your assets will be protected.

Here are some ways of shopping for insurance:

1. Figure out how much coverage you think you will need
2. Create your own personal auto insurance profile
- Make a list of important information concerning the type of vehicle you drive, where you drive, who else drives, what your driving record is, where you live. This profile will make the next step easier.


3. Do some comparison shopping
- Prices for the same type of coverage varies, so it pays to shop around. You can start by asking friends and looking in directory. Contact insurance agents or companies for general pricing information. Select a few of the insurers for personalized quotes.


4. Meet with potential insurance agents
- Make a few appointments, bring your personal 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. Make sure to take notes.


5. Compare Again
- Consider cost, coverage offered by the companies, and also the quality of service available. After putting these factors into consideration, it is time to select your insurer.


6. Read your policy
- Read the fine print and ask questions. Keep your policy at hand. Call you 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.


7. Keep your insurance information with you, while driving
- In Jamaica you are required to show your insurance papers on request by a police officer. Ask your insurer for a pouch, so you will be able to keep your insurance papers safe in the car.

Your mission is to buy the cheapest insurance, but still receive adequate coverage.