Give your insurance company a call and find out what sort of discounts apply if you combine some of your insurance policies together. Lots of insurance companies give discounts for purchasing bundled or multiple policies from them. Buying an insurance policy can make you feel like you need a PHD in order to understand it all. There is no reason you should have to feel this way. This article will give you some great advice on understanding your insurance needs and great ways to get the best deal. Keep contact information and copies of policies in safe locations. Consider a disaster occurring in your home, like a fire or flood – will your papers survive? Keep your insurance agent’s business card in your purse or wallet and use a fireproof safe to keep papers in your home. Make things simple for yourself when talking to your insurance company by being calm and to the point when speaking with them. Make sure you snap some photos of your damage. Also, be sure to be honest and truthful, when you make stuff up this can come back to hurt you, and can actually result in you not getting paid at all. Make sure to get your car back as soon as possible after an accident, especially if it has been towed. If you leave your automobile there for a long time, the fees will keep accumulating, and your insurance provider most likely will not pay. Have all your insurance coverage with one company. If you get multiple policies through one insurance company, you may be able to get a discount. This could give you a savings of up to 20% off of your premiums.