TIPS:

To ensure you get the best value from your car insurance policy:

Choose your insurer carefully by comparing price and service

Build a good driving history free of accidents and convictions.
   This means driving safely!

Consider higher deductibles. This means you’ll contribute more toward    the cost of your claim if you have an accident, but it will also mean
   a lower premium.

Choose your car wisely. For example, if you buy a car with a high theft    rate, your premium will be higher. Choose a car with good safety    features. Also, some cars cost more to repair than others. This increases    the cost of insurance, so be sure to choose a car that is less expensive    to repair. SOEHNER Insurance can help you with more information.

In a claims situation:
Remember…..

* Stay Calm
* Think Clearly
* Assess the situation; and most importantly, is anyone hurt?