Match the limits and deductibles you have today. Since you know what you pay today, be sure that you're getting a quote for exactly the same amount of coverage with the same deductibles. If there are minor differences, be sure you know what they are.
Adjust your limits and deductibles to see how the rate changes. Play around with buying more coverage, just to see if it costs a lot or a little. Same thing with deductibles. With some companies, you save a lot by picking a $500 or $1,000 deductible, but if the savings isn't 10 to 15%, it might not be worth it.
Make sure you've got actual quotes—not just estimates. Some companies offer quick quotes and ballpark estimates, but these are not really worth your time. You can't buy an estimate—and you can be sure the rate will change.
Save time and learn more by shopping online. We may be biased about this one, but today's leading companies let you shop and compare easily online—and you can buy online, too—or by phone. Why make insurance any harder than it already is? We're here to make it easy!
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