Before You Start Comparing
- Gather your current policy declarations page — shows your current coverage levels
- Have your VIN ready — needed for accurate vehicle identification
- Note your driving history — accidents and violations from past 3-5 years
- Know your mileage — estimated annual miles driven
Step 1: Decide What Coverage You Need
Don't just compare prices on different coverage levels. Determine first what limits, deductibles, and optional coverages you want. Our coverage calculator can help.
Step 2: Get Quotes From Multiple Insurers
Aim for at least 3-5 quotes from companies licensed in your state. Mix direct insurers (Geico, Progressive online), captive agents (State Farm, Allstate), and independent agents who shop multiple companies.
Step 3: Compare Apples-to-Apples
Ensure every quote has identical:
- Bodily injury limits (per person / per accident)
- Property damage limit
- Deductibles (collision & comprehensive)
- Optional coverages included or excluded
Step 4: Look Beyond Price
Consider:
- Company financial strength (AM Best rating)
- Customer satisfaction scores (J.D. Power, Consumer Reports)
- Complaint ratio with state DOI
- Ease of claims process (read reviews)
- Available discounts you qualify for
Step 5: Don't Rush, But Act Before You Need It
Take time to research, but don't let your current policy lapse while shopping. Switch mid-term if the savings are substantial enough to offset any cancellation fees.