1. Gather some basic information. Some of the information to have, that will help you get faster and more accurate quotes, includes drivers license numbers for each driver, make and model of each car, liability limits and coverage amounts for comprehensive and collision. Take a look at your current car insurance policy to find out what coverages you already have, as a starting point.
2. Obtain multiple car insurance quotes. Because car insurance rates can vary considerably from one company to the next, shopping around could save you hundreds as opposed to taking the first quote you get. The Insurance Information Institute recommends that consumers obtain at least three different quotes for comparison.
3. Locate companies for online quotes or use a comparison site. You can visit directly the Web site for individual companies and see if they offer online quotes. One way to find out what companies do business in your area is to visit your state’s insurance department site. An easier way is to use a car insurance comparison Web site because you only need to fill out one form to get several competing quotes in return, without having to visit several different sites.
4. Keep a record of your quotes to help you compare. Written notes on a sheet of paper can help you determine which quote you liked the best. Write down the amount of each quote (including the limits and mileage information used), discounts, response time or helpfulness of agents and anything else that may help your decision.
5. Get some peace of mind about the company’s stability. Once you’ve identified the lowest quote, you can check various rating Web sites, such as Weiss, Standard & Poor’s and A.M. Best to see that the company will be financially stable. You can call your state’s insurance department or visit their Web site to see if the company has any complaints.
Remember to take advantage of all of the discounts you can. For example, most companies will offer discounts for anti-theft devices, low annual mileage, good grades (important for young driver car insurance) and having more than one policy with them.
