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Listed below are other things you can do to reduce your insurance coverage costs. Costs differ from business to business, so it pays to search. Get at least 3 estimate. You can call companies directly or access info on the Web. Your state insurance department may likewise supply comparisons of prices charged by significant insurance companies. You purchase insurance coverage to safeguard you financially and offer assurance. It is necessary to choose a company that is financially stable. Examine the financial health of insurer with ranking companies such as AM Best (www. ambest.com) and Requirement & Poor's (www. standardandpoors.com/ratings) and consult consumer magazines.