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Compare price.

While this may be a no-brainer, it bears repeating! Remember that different companies may offer the same product for a very different price.

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Consumer tips: What to do before you Buy
Learn all you can! An educated consumer is a smart consumer;
Research the companies that are offering the insurance;
Check out the agent and the local company represented;
Make sure you know what the policy will pay for and what it won't; Determine how much it will cost you out of pocket for deductibles and other expenses.