Providers

• Get quotes from the various providers available to you. Nationally based companies with local presence, such as State Farm, Liberty Mutual or Allstate, compete with one another to provide the best service and rates for established drivers. Brokers, who work with a pool of companies, shop for you to find the most affordable policy based on your driving history and needs. Brokers do not work for one specific company, but choose from numerous insurance providers. Brokers can also find competitive rates for high-risk drivers. Nationally based lenders without local presence, such as Geico, Esurance or Unitrin Direct, may also offer low fees; however; you must call an "800" number for policy service.
  
  

Correct Comparisons

• For proper discounts and coverage, compare like-policies. If you have a current policy you want to replace, locate your coverage information before calling or obtaining a quote online. Your deductible, bodily injury and property damage limits affect the price of your policy. A liability policy is the cheapest you can purchase. Adding comprehensive coverage increases coverage and cost. Full-coverage insurance, which includes comprehensive and collision, offers the most coverage for the highest price. Get quotes of comparative policies. Otherwise, you may think you're getting a discount when you're actually purchasing less of a policy.
  
  

Applicable Discounts

• Various discounts are available to you. Most insurance agents ask if any apply, but be sure to inquire. Find out if the company offers a multipolicy discount, which is a discount for all policies when insuring with the same company. Many auto insurance companies can also insure your home, motorcycle, life insurance, boat or renter's policy. Certain life situations also lower your risk, such as marriage, home ownership or a college degree. If any of these situations change for you during your policy period, let your agent know.
  
  

Considerations

• The vehicle you drive and your driving habits also impact your policy cost. If you're considering a new car, many come with a variety of safety features not standard in models sold years ago. Look for a car with anti-lock brakes (ABS), head-curtain and side impact airbags and a passive alarm system. Talk to your insurance agent about safe picks and low-risk vehicles. Your policy cost can also decrease if you take a job closer to home or reduce your annual mileage.