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Many people believe that it is best to stick with one insurance company for all of your insurance needs. This can be true in certain instances but not always, which can be especially true for boat insurance.

To get the best rates you will need to do some research and maybe a few other things as well. Knowing the most about insurance and what factors are used to determine an insurance rate is the best way to get the lowest rates possible. There are predatory insurance agents in this world that thrive on ignorance to get people to accept policies that are too inclusive for their needs thereby increasing their commission. This is not an accepted practice by insurance companies but it does happen. Only through education will you be truly protected from such happenings.

First off you should think about taking a boater safety course. Insurance companies will offer discounts to those who complete these courses. This works to protect you and the insurance company. The insurance company knows that people who complete such courses become safer operators of boats thereby decreasing the risk of accident due to the operator’s error and causing loss for the insurance company. Even if they did not offer a discount a boating safety course is still a good idea especially for the new and inexperienced boater. You never know when something might occur that may require quick thinking.

Secondly you should contact your current insurance company that covers your home and car. Most times these companies will offer deep discounts when insuring other items such as boats. Call or go online and get a quote but do not accept any policy just yet. There is still much to do.

Use the quote you received from your normal insurance company as the base rate then start calling other companies. Tell them up front exactly what your needs are and get the rock bottom quote from them. Continue to do this until you have exhausted all possibilities. Then sit down and compare all of the quotes. It is not necessarily true that the lowest quote will be the best. Some companies offer extremely low rates but coupled with low coverage amounts and services. This may cost you in the long run especially if you need to file a claim and find out that the problem is not covered.

Do not be afraid to ask for a quote that covers all of your insurance needs and not just your boat. You may find that you will save lots and lots of money if you offer to bring all of your business to the company instead of just one thing.

If you are pressed for time you can always go through a multiple covering insurance agency. They will be able to get quotes from several different companies a lot faster than you can. Be sure that the agent is someone that you know you can trust. If not there is the possibility that you will not get the information that you need and only the highest quotes will be given to you in hopes of boosting a commission.

Mansi Gupta recommends that you visit www.independent.ws/2006/01/how_can_i_lower.html for more information on boat insurance rate.

Nominated for six Golden Globes and seven Emmys, including Outstanding Series - Comedy, Sanford & Son became one of the first shows in television history to be almost entirely centered around African-American characters. Modeled after the British TV show Steptoe & Son, the series showcased the underappreciated talents of comic genius Redd Foxx (whose skin color and bad language prevented him from becoming a superstar decades earlier). The brainchild of All In The Family creator Norman Lear, Sanford & Son signaled the beginning of a decade of sitcom classics for the prolific 1970’s TV writer - Maude (1972), Good Times (1974), and The Jeffersons (1975) being the others. Wrought with memorable one-liners and well-timed humor, Sanford & Son was a Top 10 Nielsen rated show every year in which it aired except for its final season (ranking a respectable #27)…

Sanford & Son, set in the Watts district of Los Angeles, follows the life of Fred Sanford (Redd Foxx), a 65-year-old African-American junk dealer who shares his business with his 34-year-old son Lamont (Demond Wilson). With Fred’s wife Elizabeth having passed away twenty years earlier, he often evokes Lamont’s sympathy by clutching his heart and proclaiming, “Oh, I’m coming to join you Elizabeth!” But Fred always survives those near fatal heart attacks, continuing to disperse sarcastic putdowns (often directed at his sister-in-law Esther) and racist stereotypical remarks aimed against whites and Hispanics (especially Lamont’s friend Julio). Using guilt to manipulate his ambitious son into staying and helping run the salvage shop instead of pursuing other endeavors, Fred Sanford spends most of his days lounging around the house (his junk store and home are one and the same) and hanging out with his friends - Grady, Melvin, and Bubba… Well-written and hilarious, Sanford & Son is comedian Redd Foxx at his absolute best…

The Sanford & Son DVD (Season 1) features a number of hilarious episodes including the series premiere “Crossed Swords” in which Lamont purchases a collectible porcelain figure from a silent movie star for $15. When he and Fred get the statuette appraised, they determine that they can fetch a bundle for it if they put it up for auction, but while at the auction, the two decide to pose as buyers to bid up the price, a decision that ends up costing them… Other notable episodes from Season 1 include “The Copper Caper” in which Fred and Lamont purchase their own copper from a man who’s been stealing the metal all across town, and “A Pad for Lamont” in which Lamont decides to move into his own apartment for privacy reasons. At first, Fred is upset - until he learns he enjoys having some time to himself…

Below is a list of episodes included on the Sanford & Son (Season 1) DVD:

Episode 1 (Crossed Swords) Air Date: 01-14-1972
Episode 2 (Happy Birthday, Pop) Air Date: 01-21-1972
Episode 3 (Here Comes the Bride, There Goes the Bride) Air Date: 01-28-1972
Episode 4 (The Copper Caper) Air Date: 02-04-1972
Episode 5 (A Matter of Life and Breath) Air Date: 02-11-1972
Episode 6 (We Were Robbed) Air Date: 02-18-1972
Episode 7 (A Pad for Lamont) Air Date: 02-25-1972
Episode 8 (The Great Sanford Siege) Air Date: 03-03-1972
Episode 9 (Coffins for Sale) Air Date: 03-10-1972
Episode 10 (The Barracuda) Air Date: 03-17-1972
Episode 11 (TV or not TV) Air Date: 03-24-1972
Episode 12 (The Suitcase Case) Air Date: 03-31-1972
Episode 13 (The Return of the Barracuda) Air Date: 04-07-1972
Episode 14 (The Piano Movers) Air Date: 04-14-1972

About the Author

Britt Gillette is author of The DVD Report, a blog where you can find more reviews like this one of the Sanford And Son (DVD).