- 1). Look at the brand name of the company while comparing quotes. A company with weight in the marketplace makes the company credible and accountable, which helps you when making claims.
- 2). Look at the deductible when reviewing the quotes. Higher deductibles usually mean lower premiums. Depending on the type of insurance you want, choose a policy based on higher premiums and lower deductibles OR lower premiums and higher deductibles.
- 3). Put all cars that you own under a single policy and check which ones offer you the lowest premiums. Also, ask about multi-policy discounts if they are available.
- 4). Compare the amount of insurance coverage of different policies.
- 5). Check for the total covered for bodily injury and liability insurance. Choose one with the highest dollar value for the best price.
- 6). Compare the levels of other coverage, such as rental cover, PIP, medical, full-glass, towing and comprehensive collision. Ask for multiple quotes with your preferred combinations and go for the policy with the lowest quote.
- 7). Check the level of coverage for 'underinsured or uninsured motorist.' With the number of uninsured motorists on the road, there's a good chance you may need need this kind of insurance coverage.