I'll touch a few things that will help you get the best coverage at a very good rate...

1. Ensure the insurer you ultimately go for is licensed to sell long term care insurance in your state. It's essential to check how legitimate they are, their reputation and, lastly, their standing.

This is where institutions such as BBB, Standard & Poor's Insurance Rating Services and others are truly useful.

2. A very reliable way is asking folks you confident you can trust -- People who are already your friends and acquaintances. What was the value they got from the insurer they used previously and what quality of service do they get from their current insurers?

You can ask them to refer you to their agent if they give glowing testimonials of his/her services. Notwithstanding the fact that it does make sense to use an agent that has been highly recommended by your trusted acquaintance, it also pays to consider more than one great agent.

This will raise your chances of landing an agent who will offer the very best value and rates. Get referred to a lot of agents. Obtain and evaluate quotes from as many short-listed agents as possible.

Have in-depth discussions with each of them and find out who will serve you best. Inasmuch as this process is quite effective, it will take a lot of time to complete.

3. You can save much money in long term care insurance if you get and compare long term care insurance quotes from quotes sites. You will make savings if you go to only one of such sites.

However, you will get better results by visiting at least three. The plain logic in this is that you will receive a greater number of long term care insurance quotes from a wider range of insurers. This raises your chances of getting better rates.

4. Don't let yourself become carried away by the lowest quote as you shop for low cost long term care insurance. You need to focus on getting a low quote that also offers the right value.

You can get really low rates that offer you the quality you are after if you shop extensively. But be willing to pay slightly more if necessary to get the right long term care insurance coverage for you.

Take note of this because some low quotes are so because they don't offer much. A long term care insurance offer that gives insufficient coverage isn't worth it even if it's 500% lower than the quote that gives you the right coverage.