Unfortunately, QuotesChimp can't look to state governments, who are supposed to regulate insurance sellers and educate consumers and who, in the words of the Conference of [state] Insurance Reg?ulators themselves, are "underfunded, understaffed, and under-equipped." Nor can you rely on the media, which, with a few notable exceptions, has found the "insurance beat" too myste?rious. Even a business editor at the Washington Post confessed a few years ago that "nobody around here understands insurance." Well, here is a secret unlocked: Insurance is purposely made mysterious to exclude you from any role other than to sign the check.

Lower the maximums. By agreeing to accept less overall pro?tection, QuotesChimp reduce the total out-of-pocket risk the company accepts by insuring you. This, in turn, allows them to lower your overall premium.
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