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Amity Insurance issues four rules of thumb when purchasing auto insurance

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QUINCY, MA ISSUED June 2, 2011….Sifting through companies and agents to find the ideal insurer for a vehicle may seem like an overwhelming task to many, but there a few steps that can be taken to make the act of purchasing auto insurance less complicated, according to Amity Insurance Agency, Inc., the region's leading full service agency.

The following four rules of thumb can appreciably simplify the process, while still ensuring the best auto policy for specific needs:

Size and type of vehicle covered: Insurers will not sell you a policy less than the minimum requirements for your state; however that doesn't mean you should mistakenly opt for auto insurance limits based on the minimum amount required. Depending on the size and type of vehicle driven, the bare minimum may not be enough for full coverage in the event of an auto accident.

Honesty counts: It's important to "tell it like it is" when asked by an insurer about your driving history. Insurers will check your driving record and make adjustments to your quote based on your record; be honest from the start and save time by getting accurate quotes.

See the whole picture: It might be tempting to sign up with the insurer offering the lowest rate, but that may not be the best deal in the long run. Know exactly what you're getting for your insurance dollars and pay careful attention to the fine print in the contract. A low rate is attractive, but may have its shortcomings – for instance, that policy might not come with 24/7 customer service.

Avoid duplicate coverage: Make sure options aren't being paid for twice – as an example, AAA members most likely have their towing costs already covered; as such a policy with roadside assistance may not be required.

Finding the best auto insurance policy may be a challenge, but money, frustration, time and possibly regret can be saved if you follow these basic steps.

About Amity Insurance

Amity Insurance Agency, Inc. is a full-service agency dedicated to meeting business, professional and personal insurance needs. The agency specializes in legal malpractice insurance, commercial and habitational real estate insurance, hospitality industry insurance and charter school insurance. The firm, since 1996, has been the recipient of the “Best Products and Service” Award from The Massachusetts Lawyer’s Weekly. In addition to commercial real estate, charter school and hospitality divisions that supplement general business and personal lines units, Amity Insurance Agency carries a complete line of professional liability coverage. The agency is endorsed by the Massachusetts Academy of Trial Attorneys for all insurance products as well as the Women’s Bar Association for professional liability insurance. Amity Insurance is licensed in most states. The agency has offices at 500 Victory Road, North Quincy 02171. For information on products or services, please visit www.amityinsurance.com or call (800) 940-4010 to schedule a free analysis of insurance needs.