Things You'll Need:
- Vehicle
- Drivers License
- Personal Computer
- Internet Connection
- Telephone
- Driving History
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Step 1
Gather your driving history. Most insurance companies will be able to determine this without your help, but you should never assume that they're getting accurate information. When you get the quote, double-check!
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Step 2
Write a list of insurance companies that you would like to check out, both online and over the phone. The top insurance companies give rates over the internet, and these websites are a great place to start. Also, many companies that provide rates over the interenet, do so at a decreased rate. You may get a discount if you shop online.
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Step 3
Pick up the phone! Even once you get a quote online, you should always call the insurance company in person. Speaking to an agent will help you get the specifics down, and an agent may be able to include or exclude things that will increase or decrease your premium. It's easier to get an insurance policy tailored to your needs when you're speaking to an agent.
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Step 4
Understand that not all insurance companies are created equal. Now that you have your quote in hand, you should call the other company on your list. It isn't often that an insurance company will "meet or beat" a competitor's price, but it doesn't hurt to ask. Go through the benefits and coverage that the first company offered you, and see if you can get the second company to do the same. You may have to forgo some of the "frills" of the insurance, but you can get great deals this way.
