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Not all insurance policies, even ones of the same general type and description, are the same. Because of that, anytime you want to purchase an insurance policy you should compare insurance companies and policies before buying. Not only do the policies vary from company to company and state to state , the company offering the policy will be stronger or weaker financially, and that could be important to you in the future. One of the best ways to compare insurance companies is to read insurance company reviews to see what other customers have to say about them and to see how ratings agencies such as A.M. Best rate the financial stability of the company. These companies analyze the financial strength of monetary agencies like insurance companies, and provide an easy to understand grade score which describes their financial stability. When purchasing insurance, especially long-term policies like life or homeowners insurance, a high financial strength rating means you have fewer concerns about the company going bust a few years down the road. Consumer reviews help you get an idea of how the company's current and former customer view the company, what they liked and what they didn't like about the insurance company. Car insurance buyers should check the details of the policies when they compare car insurance . Some companies offer extras, like free glass replacement or accident forgiveness, which add value to the policy. Before you buy an auto insurance policy, make sure that the policy has all of the coverage you need, and you can even compare rates by using a website that offers free rate comparisons. When you get homeowners insurance quotes , it is especially important to compare insurance policies. Some companies will have more excluded coverages, or offer you discounts that other companies do not offer. The only way to get the best coverage without spending too much money is to compare insurance companies and policies carefully. Health insurance comes in several types, including HMO, PPO and POS policies. Make sure that you are getting a health insurance policy that works for you the way you need it to, and that it will cover any preexisting conditions you or a family member may have. There are differences to consider depending on if you're buying individual health insurance vs family health insurance . Life insurance is available in whole or term policies. Whole life insurance will remain with you throughout your lifetime, but term life insurance policies expire after a specified amount of time. You can compare insurance policies in any particular type of coverage to determine which one offers the best rates, but make sure you look into the company's financial stability before you sign the contract. Renters insurance is a lot like homeowners insurance, but it does not cover the structures or any damages caused by the structures or items on the property such as trees. Compare renters insurance quotes by looking at what the coverage offers, the company's financial stability, customer reviews and price.