Understand coverage limits, deductibles, and discounts before making an apples-to-apples comparison. The following steps can help you get started.
Compare the same coverage
When requesting quotes, keep bodily injury, property damage, collision, comprehensive, and uninsured motorist limits consistent wherever possible.
Understand your deductible
A higher deductible may reduce premiums but also means paying more out of pocket when filing a covered claim. Choose what you could comfortably afford.
Ask about available discounts
Potential discounts may involve bundling, payment method, mileage, eligible driver training, and vehicle safety equipment. Availability depends on provider and state.
Review exclusions and service
A low quoted premium does not tell the whole story. Read the policy terms, claims process, and insurer complaint information before selecting coverage.
Avoid pressure tactics
Do not rely on unsupported promises of guaranteed savings. Confirm terms directly with a licensed insurer or agent.
Key takeaway
Use this guide as a starting point, then compare current terms and information from primary sources before making an important decision.