The best course of action is to ask questions of the person selling you insurance. This is their job, to tell you everything you want to know about the policy you are about to purchase. This will not make the insurance person very happy, as they wish to have you just sign on the dotted line. When you sign you are locked in and you must pay the premium or they will report you to the credit agency which will make it harder for you to obtain credit in the future. So ask all the questions and make the insurance person explain every section of the policy to you. This will make sure that there are no surprises in the time to come. Make sure that the explanations that you get are what you want to hear or make them change. If the policy that the person is suggesting does not fit your specific needs then tell them what you want. If they cannot give it to you then there are plenty of other auto insurance company policies out there for you to choose from.
Good advice is to shop around. If you stick with just one company then you are bound to end up with the short end of the stick in the long run. There are thousands of insurance companies in this world that will be more than happy to offer you a policy. You should go with the company that offers the best service for the least money and does not try to defraud you into taking a policy that will not work for you. This happens every day as insurance salespeople are very overzealous in their sales and they could really care less how it turns out in the end as long as they get their commission from the sale. Protect yourself by being informed as that is your last line of defense when it comes to purchasing auto insurance.
Only through research and patience can you find the truly best car insurance for you. Do not get stuck in a rut by sticking with the same company that is sticking it to you by charging you ever-increasing fees for services that you never use. Choose wisely and you will be glad you did. Choosing auto insurance is about being wise and making sure that you make the right decision not just for your car, but also for your wallet. If you can do this then you will save a lot of money but not cut down on the quality of your car insurance. Your car is an important part of your life and you want to make sure that you have the right kind of cover should the worst happen. After all would you cut back on your own life insurance just to save some extra cash? Hopefully you wouldn't so you wouldn't cut back on your car either.