For millions of active-duty service members, the Servicemembers’ Group Life Insurance (SGLI) program provides a vital safety net—offering up to 0,000 in coverage at remarkably low premiums. However, as transition day approaches and civilian life beckons, one of the most critical—and often overlooked—financial decisions involves what happens to that life insurance coverage. Converting your SGLI to a civilian policy is not merely an administrative checkbox; it is a strategic financial move that requires careful planning, timing, and understanding of your unique circumstances.

The SGLI Advantage:

A Baseline Worth Protecting

Before exploring conversion options, it is essential to appreciate the value you currently hold. SGLI offers service members up to 0,000 in term life insurance with no medical underwriting and premiums that are among the lowest in the industry—currently .06 per ,000 of coverage per month. This means a maximum policy costs just per month. For many, this coverage was obtained without a medical exam, regardless of health conditions, age, or lifestyle factors that might otherwise make civilian insurance prohibitively expensive or entirely unattainable.

The moment you separate from service—whether through retirement, completion of enlistment, or medical discharge—your SGLI coverage ceases. The Department of Veterans Affairs provides a 120-day window of free coverage after separation, but this is a temporary bridge, not a long-term solution. Without proactive action, you risk losing affordable coverage and facing significantly higher premiums or outright denial in the civilian market.

The Conversion Pathway:

SGLI to VGLI

The most direct conversion option is the Veterans’ Group Life Insurance (VGLI) program, which allows separating service members to convert their SGLI coverage to a renewable term policy without undergoing a medical exam—provided they apply within 120 days of separation. This is a critical distinction: after the 120-day window, you may still apply within one year, but you will be required to provide evidence of insurability, which can result in higher premiums or denial.

Key Features of VGLI:

You may convert up to the full amount of your SGLI coverage at the time of separation, in increments of ,000.

VGLI premiums increase with age in five-year bands, and while they are higher than SGLI, they remain competitive for those with health issues.

VGLI policies can be converted to individual commercial life insurance policies at any time, regardless of health, through participating insurers. This provides a valuable escape hatch if your health deteriorates after separation.

The VGLI Premium Schedule (as of 2025):

| Age Band | Monthly Premium per ,000 |
|———-|—————————|
| Under 30 | .60 |
| 30–34 | .70 |
| 35–39 | .90 |
| 40–44 | .25 |
| 45–49 | .80 |
| 50–54 | .55 |
| 55–59 | .80 |
| 60+ | Varies (higher) |

While VGLI is an excellent safety net, it is not always the most cost-effective long-term solution for healthy veterans. The premiums escalate significantly with age, and unlike many civilian policies, VGLI does not build cash value.

Beyond VGLI:

Exploring Civilian Conversion Options

For many transitioning service members, the optimal strategy involves a layered approach: securing VGLI as a temporary bridge while simultaneously applying for civilian policies that may offer better long-term value.

1. Term Life Insurance in the Civilian Market

Private insurers offer term life policies with level premiums for fixed periods (typically 10, 20, or 30 years). For a healthy 30-year-old separating service member, a 20-year term policy with 0,000 in coverage might cost – per month—comparable to VGLI at younger ages but with the advantage of locked-in premiums for two decades. The key is to apply while still on active duty or immediately upon separation, when your health is documented and you are still young.

Critical Consideration: Many insurers offer accelerated underwriting for veterans, and some have dedicated programs that waive the medical exam for those with recent military physicals. It is prudent to shop around and leverage your veteran status.

2. Permanent Life Insurance (Whole Life or Universal Life)

If you have dependents who rely on your income for the long term, or if you have estate planning needs, permanent life insurance offers lifelong coverage and a cash value component that grows tax-deferred. These policies are significantly more expensive than term insurance—often 5 to 10 times the cost—but they serve different purposes. For most transitioning service members, a term policy is the prudent first step, with permanent coverage considered later as financial circumstances evolve.

3. Employer-Sponsored Group Life Insurance

Many civilian employers offer group life insurance as part of their benefits package. This coverage is often inexpensive and requires no medical underwriting. However, it is typically tied to your employment and may not be portable if you change jobs. Treat employer coverage as a supplement, not a replacement, for your individual policy.

The Strategic Conversion Plan:

A Step-by-Step Guide

To ensure a seamless transition without a coverage gap, follow this structured approach:

Step 1: Assess Your Needs (6–12 Months Before Separation)
Calculate your family’s financial needs: outstanding debts, mortgage, children’s education, and income replacement. Determine the appropriate coverage amount and duration.

Step 2: Apply for Civilian Policies (3–6 Months Before Separation)
While still on active duty, apply for civilian term life insurance. Your income is stable, your health records are accessible, and many insurers view active-duty service favorably. This application process can take 4–8 weeks, so starting early is essential.

Step 3: Automatically Enroll in VGLI (Before Separation)
You do not need to wait until your last day to enroll. The VA allows you to apply for VGLI up to 120 days before separation, ensuring your coverage begins immediately upon your SGLI termination. This provides a safety net in case your civilian policy application is delayed or denied.

Step 4: Compare and Decide (Within 120 Days Post-Separation)
Once you have both options available—your civilian term policy and your VGLI—compare premiums, coverage terms, and riders. If you are healthy and secured a favorable civilian rate, you may choose to decline VGLI or convert it to a smaller amount. If your health has declined, VGLI becomes your most valuable asset.

Step 5: Review Annually
Life insurance needs change with life events: marriage, children, home purchases, or career changes. Conduct an annual review of your coverage to ensure it remains aligned with your goals.

Common Pitfalls to Avoid

Employer group life insurance often provides only 1–2 times your annual salary—far below what most families need.

Insurability is not guaranteed. Applying while healthy and young secures lower rates and avoids the risk of developing conditions that could disqualify you.

Missing this window does not eliminate VGLI eligibility, but it introduces medical underwriting, which can jeopardize your ability to convert at all.

Never allow a coverage gap. Ensure your new policy is fully in force before your SGLI terminates.

Special Considerations for Service Members with Health Conditions

For those with service-connected disabilities or chronic health conditions, the conversion decision is particularly consequential. VGLI is your guaranteed-issue option—no medical exam, no health questions, and no risk of denial. For this population, VGLI is often the only affordable path to substantial coverage. Additionally, the VA’s Service-Disabled Veterans’ Insurance (S-DVI) program offers coverage to veterans with service-connected disabilities, though the maximum is limited to ,000 for new applicants (as of 2025), making VGLI the more significant option.

The Financial Bottom Line

Converting your military SGLI to civilian coverage is not a one-size-fits-all decision. It requires a deliberate assessment of your health, financial obligations, and long-term goals. The good news is that you have options, and with proper planning, you can secure coverage that protects your family without breaking your budget.

Actionable Takeaway: Begin the process at least six months before your separation date. Apply for civilian term insurance while still on active duty, enroll in VGLI as a safety net, and make an informed decision once you have all the facts in hand. Your service to the nation deserves nothing less than a secure financial transition into civilian life.

—

*This article is for informational purposes only and does not constitute financial or insurance advice. Consult with a licensed insurance professional or financial advisor to discuss your specific circumstances.*

1. Check If You Qualify for a Special Enrollment Period (SEP)

A Special Enrollment Period allows you to enroll in or change your health insurance outside of the standard Open Enrollment timeframe. You may qualify for an SEP if you experience a major life event, such as:

(e.g., job-based insurance, Medicaid, or COBRA expiration)

to a new ZIP code or county

affecting eligibility for subsidies

You typically have 60 days from the qualifying event to enroll in a new plan through the Health Insurance Marketplace (Healthcare.gov or your state exchange).

2. Explore Medicaid or CHIP

Medicaid and the Children’s Health Insurance Program (CHIP) provide low-cost or free coverage to eligible individuals and families. Unlike Marketplace plans, these programs accept applications year-round. Eligibility depends on income, household size, and state-specific rules.

3. Consider Short-Term Health Insurance

If you don’t qualify for an SEP, short-term health insurance can provide temporary coverage (usually 1–12 months, with possible renewals). These plans are often more affordable but may exclude pre-existing conditions and essential health benefits.

4. Look Into COBRA Continuation Coverage

If you’ve lost employer-sponsored insurance, COBRA allows you to keep the same plan for up to 18 months (sometimes longer). However, you’ll pay the full premium, including the portion your employer previously covered, which can be expensive.

5. Check for Other Exceptions

Some situations allow enrollment outside Open Enrollment, such as:

6. Prepare for the Next Open Enrollment

If none of the above options apply, mark your calendar for the next Open Enrollment Period (typically November 1 – January 15 in most states). In the meantime, consider alternative options like community health clinics or telehealth services for basic medical needs.

Final Thoughts

While missing Open Enrollment limits your options, you still have pathways to secure coverage. Review your eligibility for a Special Enrollment Period, Medicaid, or short-term plans, and act quickly if you experience a qualifying life event. For personalized assistance, consult a licensed insurance agent or visit Healthcare.gov.

Would you like help finding specific plans in your area? Let me know—I’d be happy to guide you further!

Purchasing health insurance is a vital step to take in protecting your health for the long term. The unexpected happens, and health insurance can help in paying for what you can’t pay for out of pocket. Finding the right health insurance requires your time, knowledge and patience, as well as your idea of what you’re looking for. The tips below will get you going in the right direction.

You don’t have to get the best type of health insurance right away, just make sure you’re insured above all else. If you have to settle for lower coverage than what you want, that’s fine. Just make sure you start saving so you can get the type of coverage you want later on, since you can always upgrade.

When thinking about getting health insurance coverage, not many people think of test driving their prospective plan. This is called a free trial basis – you get your money back if you aren’t happy – as long as it is canceled within a set amount of time. Check to see if this is offered in your area!

If you are self-employed, you should always deduct your health insurance payments for tax purposes. This is a great way to save yourself a large amount of money at tax time. Health insurance payments are taken as above-the-line deductions, and they reduce the amount of your adjusted gross income whether or not you decide to itemize.

Your employer may provide you with a list of health insurance providers to choose from. It is a good idea to ask your co-workers, but also doctors and nurses you know, which one they have had the best experience with. It’s not just what is written in your policy, but how it is implemented that matters!

Increase your deductible for lower premiums, but prepare to pay more out-of-pocket expenses. If you feel that you cannot afford your premiums, you can consider a deductible increase, but make sure you take all other expenses into account. You may not actually be saving money if you visit the doctor more frequently.

Some states offer lower cost health insurance options if you meet certain income requirements. They are worth checking out if you’re on a budget. These plans can be especially helpful for independent contractors who need to insure their family. Contact your local insurance agent, or even your local Social Services office, to find out more.

Check your insurance rates versus your deductible rates. If you have a low health insurance payment, you are very likely to have a high deductible cost. Alternately, a high health insurance payment will usually reflect as low deductibles. You have to decide when you want to pay, monthly, or per visit.

Your interest in health insurance is not going unrewarded. Health insurance is vital to have to protect you and your health. Apply the tips from the article above in your search for proper insurance. That way, you can ensure that you are getting exactly what you need, from the company you want.

Everyone needs health insurance. Unfortunately, not everyone can afford health insurance, and still have money left over to afford to function in society. Even if you can afford health insurance, maybe you find it confusing. All of the options you can get with your policy, can be more than a little daunting. Here are some tips to help you find a worthwhile health insurance plan.

Consider a low-cost plan if your job is not stable. Government health insurance policies will offer you the same coverage should you lose your job, but you have to cover the entire cost of the premium yourself. In tough times, make sure you can afford to pay your policy should you need to leave your workplace.

Take the opportunity to look at your health insurance coverage from year to year. If you have group coverage you have this option by law. If you purchase your own health insurance you may find that there is now a policy with better benefits or better rates that suit your family.

Always be honest with a health insurance company, especially when you are applying for a policy. Insurance companies regularly check on their clients to make sure they are truthful about their medical history. If you have not been, that is grounds for denial of coverage, or even canceling a policy that is already in place.

You should start a Health Savings Account. The account allows you to save pre-taxed money into an account that could be used toward any type of medical expenses. This could also be used to help offset policies that have high deductibles since you can use the funding in the Health Savings Account towards that.

If you are a person that is looking into personal health insurance, and you maybe go to the doctor once or twice a year, you should look into a Health Savings Account. It’s kind of like a insurance that has a low premium but a high deductible. The money that you didn’t spend on a premium would go into an account pre-tax to use when you have unexpected medical expenses.

When signing for health insurance, it is extremely important to make sure you’ve filled out all paperwork completely and accurately. If you’ve made a mistake or provided false information, the insurance company might declare your policy void when you need to use it, and refuse to pay for anything.

Sign up for a flexible spending account. If you are paying for your own health insurance costs, consider the move to an HSA. An HSA is a Health Savings Account that you can contribute towards, tax free, and then withdraw the money, also tax free, for any medical costs you face.

Having health insurance can be a huge relief. No more need to put off doctor’s visits, on the off chance that you might recover all on your own. No more worries about something catastrophic and very unfortunate happening. Put those tips to good use and live a happy, healthy life.

Your health insurance can determine the amount, quality and speed of the care that you get when you are sick. If you don’t have adequate coverage, you may put off going to the doctor, which will make your illness worse, therefore, costing you more money in the long run. This article has tips on how you can make the most of your health insurance.

Be sure to pay close attention to the deductibles and the co-pays that different health insurance policies have. You may find that if you pay a higher premium that you will get charged a lower co-pay and deductible for the claims that you have to submit for health care for you and your family.

When it comes time for re-enrollment with your health care plan, make sure to check and see what if anything has changed. Insurance companies change premiums, co-pays, and covered services on a frequent basis. Make sure you know exactly what has changed so you aren’t caught off guard.

Many consumers do not realize the importance staying healthy has, when applying for health insurance. Insurance companies obtain information from the Medical Information Bureau, a company which keeps track of all medical records. The MIB, as it is known in the insurance industry, has a record of all doctor visits, prescriptions and hospitalizations. When someone applies for health insurance, their premium is partially based on this medical history report.

Begin educating yourself on what the basic types of health insurance plans are, in order to make the right choice for your needs. For example, you should know the difference between an HMO, which requires you to choose a healthcare provider from its network, and a PPO, which allows you more flexibility in choosing your doctor. Start by understanding the basic differences, then get more details on the type of plan that is more suitable for you.

Avoid risks! If you must purchase your own health insurance policy, it is a good idea to live a healthy lifestyle and refrain from engaging in risky activities. Those who – do not smoke, drink to excess, and who maintain a healthy weight – can enjoy lower health insurance premiums. People who engage in risky behavior or hold jobs that are considered risky may not be able to get health insurance or their premiums may be higher.

Rather than going completely without health insurance, consider purchasing a catastrophic health insurance policy. While these policies typically have a very high deductible and do not cover routine care, they are affordable and will cover emergency services and treatments for major health problems, such as cancer, heart attack and stroke.

Get copies of your medical records so that you can better check to see what is in them. You are going to want to learn if there are any medical conditions in it that might be red flagged by the insurance company. This may cost you a bit of money but it will be worth every cent in the end.

Health insurance can be a dirty word in this day and age. Many who have it, don’t have enough, and many, don’t have any at all. Using the information here, you will be better prepared to get the health insurance you need and the most benefit from what you have.

One of the most useful forms of insurance is health insurance. Health insurance saves you money by lessening the cost that you have to pay for doctor visits, surgeries, prescriptions, and other medical needs. Choosing health insurance that is affordable can be difficult, but the tips in this article should solve that problem.

When considering health insurance policies, look carefully at which hospitals are utilized in your policy. Many people think about their doctors when choosing a policy, but few consider the hospitals. Making sure that the hospital closest to you is covered, or the hospital that your doctor practices at, can make medical emergencies easier to tend to in the future.

Be sure to check the doctors and nurses that will be in your coverage area before deciding on a new health insurance plan. Many plans only cover certain offices or doctors and you may not be able to return to your previous doctor. The health insurance company should be up front about who is in their network.

If your health insurance premiums seem high, then it costs you nothing to shop around and get quotes from other companies. You may want to do this even if your insurance is provided through your employer. If you find a better plan and rate, then you can cancel your coverage through your employer and use your larger paycheck to pay for your own insurance plan.

Use different online tools to help you determine which health plan is right for you. For example, you can figure out the cost of different plans using an online calculator. Look closely at the copays and the coinsurance when determining which plan is a better value for your money; factor in your age and your overall health as well.

Be realistic with your health care costs. If you know you may have difficulty affording a health care policy, you may want to opt for a lower cost one. While it may not offer as much coverage, it is better than having your insurance lapse because you could not afford to pay your premiums.

Research a potential insurance company’s reputation. Even if you have been quoted an attractive rate, it is important to thoroughly look into an insurance company before signing on with them. Find out if they are in good financial standing, and not in danger of bankruptcy. Check reviews as well, as some companies have become known for dropping customers when they are in the most need and costing the insurance company the most money.

If you and your partner have been riding on a single health insurance policy and one of you is nearing retirement, sit down and have an open discussion about how that transition will occur. Coverages will change for the retired person and several alternatives are available. They can continue for a while through COBRA and afterwards, they can apply for a standalone policy if the premiums are not prohibitively high, but the important thing is to walk into those decisions proactively.

As stated before, health insurance is useful, as it lessens the cost for doctor visits and other medical needs. Although choosing affordable health insurance can sometimes be a difficult process, the tips that were provided in this article will make your health insurance selection process easier than ever before.

Sometimes, the health insurance market can feel like a minefield. It doesn’t have to feel that way, though. There is plenty of advice available that can help you get the best deals and the best treatment out of the money and time you put into dealing with health insurance companies. Read on for some handy tips.

Make sure that any plan that you are signing up for covers all of the services you need now or may need in the future. You do not want to buy health insurance based solely on your current needs then something happens and you end up needing services that are not covered.

When it comes to selecting a health insurance plan you should be sure to check the plans you are considering to determine if a doctor or other health provider you are happy with is available under them in order to keep that relationship covered. Some health plans restrict you to specific providers, so make sure your doctor or provider is in your health plan’s network.

Check with the Medical Information Bureau to see if you have files with them. This is a central data base that contains medical information that is shared by the major medical insurance companies. You will be able to get a free copy from then through the internet. Knowing what is on there is going to help you in your health insurance search.

Be realistic with your health care costs. If you know you may have difficulty affording a health care policy, you may want to opt for a lower cost one. While it may not offer as much coverage, it is better than having your insurance lapse because you could not afford to pay your premiums.

Making sure that you renew your health insurance is extremely important, especially if you have children. Allowing your coverage to lapse is a bad idea. Accidents or illness can happen at any time, and most insurance companies will not allow you to come back with one of those evil “pre-existing conditions.”

When moving to a new state you need to find out if there are any laws where you now reside that might affect your health insurance coverage. For example, the age of your dependents may cause them to lose coverage on your insurance. Also, whether or not your child is enrolled in school could affect their coverage as well.

If you have more than one health insurance plan, keep track of which one is billed first. Some people have multiple health insurance plans. This can be handy. However, it is important to keep track of them. Make sure you know which insurance plan is your primary plan and which is the secondary.

If you are committed to finding the best deals, this is just the beginning of your health insurance education. Hopefully, a few of these ideas will be helpful to you. There are more where they came from; keep learning to zero in on the very best health insurance you can find.

Car insurance is just as much a vital part of the driving experience as your pedals and your steering wheel. You cannot own a car without insurance. Since you have to buy it, why not invest a little time in learning how to get more for the money you spend on car insurance?

Although many people realize that the type of car can affect the price of insurance, you should also be aware that the rarity of the car will change the price. If you have a car which has very expensive prices of repair, this will be reflected in the price of your insurance as well!

Find out if your pet is covered by your auto insurance if your pet is in the car with you during an accident. Some insurers provide payment toward veterinarian care for injuries, or payment if the pet is killed while in your car during an accident, or a vehicle theft. The pet coverage may be automatically included under your collision coverage.

Store your car in a garage. Many auto insurers offer a slight discount on cars that are parked in garages. Even if your company doesn’t offer a discount, cars parked in garages are less likely to be damaged, vandalized, or stolen. The fewer claims you have to put in for damage, the lower your premiums will be.

If you are short of funds and desperate to reduce your insurance premiums, remember you can always raise your deductible to lower your insurance’s cost. This is something of a last-ditch maneuver, though, because the higher your deductible is the less useful your insurance policy is. With a high deductible you will end up paying for minor damages entirely out of your own pocket.

You should review your auto insurance policy regularly to make sure it accurately reflects your situation and your vehicle. Doing this shortly before your policy is set to renew is a good idea. Note any discrepancies and review them with your insurance company to make sure that your premium reflects your situation accurately.

To make sure your insurance covers you like it should, make sure you know how to file a claim and keep the paper work related to your insurance policy handy. When something happens, do not wait to file a claim. Contact your insurance right away so that they can help you out quickly.

Make sure to do your research about the insurance company that you are considering opening a policy with. You want to know how long it takes for them to pay out the claims and what kind of parts they use to replace the damaged parts. If you do not do this, you may find that you are getting generic parts put in place of good parts weeks after the accident happened.

You may well view car insurance as a necessary evil. Hopefully, though, this article has given you a few ideas on how to ameliorate the evilness of auto insurance. Since you have to purchase car insurance, why not expend the extra effort to find the most economical and effective coverage you can get?

Don’t put yourself at risk of financial burden by not having auto insurance for yourself or your teen drivers! Having auto insurance protects you and helps offset costs, should you be in a car accident. Use the following tips to pick the right auto insurance company to fit you or your teen driver’s needs.

If you are involved in a hit and run accident, you need to report it to your insurance company right away. They will be able to send an insurance adjuster to the scene of the accident. They will take pictures and sometimes they are even able to cut you a check to get your car repaired right there on the spot.

When deciding to buy car insurance, you should see what the policy says it will use as parts to repair your car in the event of an accident. You’ll know if you’re getting new parts from the factory or not. The kind of part used in repairs can affect the value of car if you decide to sell it later.

Don’t fall prey to buying insurance coverage that you do not need. Research your needs on your own, or ask the insurer if it is a must that you purchase all coverage they mention to you. One example of this would be roadside assistance coverage. If you have roadside help through some other means such as your credit card or through some sort of membership elsewhere, you do not need to purchase it from your insurer.

There are numerous reasons to maintain a good credit score, and one of them is because of the impact that your credit score can have on your car insurance policies. Better credit scores typically open the door for lower insurance rates, so if your credit score is likely to change, keep that in mind as you are shopping for car insurance.

If you can, you should try paying for your car with cash instead of financing or leasing it. You can save a good amount of money because you will not be forced to pay for insurance to cover the cost of the vehicle in case it is damaged in any way.

When considering auto insurance for a young driver, keep in mind the type of car in relation to the type of insurance you are buying. If the car itself is not worth that much money, pay special attention to the extras on the claim, as well as the deductible amount. Most providers will work with you, based on your choices.

Don’t pick an insurance just because it is cheaper. Each insurance company provides different types of plans with varying levels of coverage. One company may offer a plan for 0 less, but it may just have liability coverage. Most states require protection against damage to another person’s car, but not for your own.

Don’t allow your teen or yourself to drive without auto insurance. Car accidents and car repairs can be incredibly expensive. Having auto insurance before something happens is important so you can protect you and your family from a financial struggle! Use the tips above to get auto insurance today!

You do not go out and buy the first car that you find. You should shop around for your car insurance that protects that car the same way that you shopped around for your car. These tips were written to help you during your auto insurance shopping and purchasing experience.

If you live in an urban area or an area where there are many wild animals, you may want to consider animal collision on your insurance. Repairing a car after you have hit an animal, especially a large one, can cost you thousands of dollars. Animal collision covers all of these costs.

Check the costs to insure cars before you relocate. Annual insurance in New York is about ,800, as compared to the national average for 2011, of ,446 per year. Different states and different cities will cost you more or less for auto insurance, but remember to also check the prospective state’s minimum insurance requirements.

Be aware that the type of vehicle you drive can affect the premium of your auto insurance policy. Those premiums are based partly on the price of the vehicle, which will affect the replacement cost if it is stolen or wrecked in an accident. Surcharges may apply to vehicles that are stolen often or involved in accidents too.

Do not forgo getting an auto insurance policy if you have a car. Yes, it is more insurance that you have to buy. Yes, it costs money. Yes, you have to shop around and research different companies and policies, but this work can save you lots of money and even your car.

When purchasing auto insurance, make sure you do your homework and shop around. You can do this online. Look for companies that will give you the best discounts along with the best price. There is no reason to pay too much for car insurance.

Many insurance companies have discounts for cars that have extra anti-theft or security features. If your car has some of these features, like anti-lock brakes, you should ask your insurance company and see if there are any discounts available. Also, you can get discounts if you took a defensive driving class or if you are a student with good grades.

Always make sure you know what’s on your driving record. Your driving record is what determines the cost of your car insurance. It is important to know what is on your record and when tickets and accidents have fallen off. Get quotes when this happens, and your insurance will be much cheaper.

To lower the cost of your insurance, you should pay attention to the kind of car that you wish to buy. If you buy a brand new car, insurance will be very high. On the other hand, a used car should allow you to get a lower rate, especially if it is an old model.

Hopefully you have found these tips to be helpful and informative. If you apply these tips to your auto insurance research, you are going to find that you will get the best possible coverage for your car that you worked so hard to get and will pay the best possible rate for it.