Things You'll Need:
- Copy of your current policy declarations page
- Driving history information
- Accident information
- Year, make and model of vehicle(s)
- Vehicle Identification Numbers
- Internet access
- Pen and paper for notes, or printer
- Email address
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Step 1
Understand your current insurance rates. Review your current policy declaration page. Make sure that you understand your coverages and that they continue to meet your current needs. It may be possible that you need to compare new rates that are more applicable to your needs. If you see that you need to make changes to your current coverages, contact your current agent or representative for a quote on the modified policy and make note of the new rate. This will be the rate that you will use in your online comparison shopping.
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Step 2
Begin your comparison shopping. Start with companies that provide comparison rates for multiple carriers with one application. Insurance.com provides comparison rates for up to five carriers under one application. The carriers are all financially stable, well-known companies with hundreds of years of history. You can also complete the applications at each carrier's website. Determine which carriers interest you and visit their websites to complete their online applications. Be aware that not all insurance carriers provide rates online. You may need to speak with a representative or agent for assistance.
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Step 3
Complete your online applications as accurately and detailed as possible. Have your driving and accident history readily available with dates and claims payout amounts, if applicable. Take the time to select the accurate descriptions for your driving history. The more accurate the application information, the more accurate your quote will be. Many applications show premium increases at the time of purchase because of inaccurate application information.
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Step 4
Do not disregard your discounts and memberships. Many insurance companies provide discounts for completed driving courses, membership associations, multiple vehicles and good driving history. It is easy to skip this information when moving quickly to obtain your rates. However, these simple pieces of information can result in drastically reduced premiums. Be prepared to provide documented proof of associations and history at the time of purchase.
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Step 5
Understand your coverages and rates before making a decision. If you find that you are unfamiliar with a coverage selection or unsure if the coverage applies to you, take the time to speak with a representative for clarification before completing your purchase. Be aware that you can change your policy's coverages at any time after the purchase of your policy.
