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Step 1
Get a free quote from each company you're interested in. You'll save a lot of time by only investigating companies that actually offer reasonable premiums.
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Step 2
Once you have a list of all companies you'd consider buying insurance from, check with your state's Insurance Commissioner and Better Business Bureau if each company is licensed to do business in your state and if there are any unresolved complaints against it.
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Step 3
Verify each company's financial stability. A company that has run into troubles will do everything it can just to survive. This might include increasing premiums, denying valid claims or accusing legitimate clients of fraud. There are four major rating agencies that rate car insurance companies: Standard & Poor, Moody's, A.M. Best and Fitch Ratings.
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Step 4
Go online and see if you can find any reports of the company denying legitimate claims or otherwise mistreating its customers. While almost all auto insurance companies have some unhappy clients, you will be able to tell the difference between isolated cases and a pattern of abuse.
