30 to 45 days prior to the renewal date of your current policy is an ideal time for car insurance comparison shopping. You can learn about the coverage options you have and your choice of companies without the pressure of making a quick decision.

Every two years, or more frequently if your rate or your family situation changes. Rates vary widely from one company to the next, so a little time invested in car insurance quotes and comparisons can help you find savings—or make you feel comfortable with your current rate.

Since you were a small boy you were close to uncle Mike, your mother’s brother. In later years you became firm friends and more than once he told you that you were the beneficiary of his life insurance policy. He passed on a year ago and there is no sign of the policy.

If you're a beneficiary and you find the lost life insurance policy shortly after the insured dies (within six months to a year, for example), claiming the death benefit should be trouble-free.