You can go online to find the lowest rates.
Most of the web sites that promise to give you quotes from multiple auto-insurance companies refer you to agents rather than providing quotes directly from insurers. The budgeting site Mint.com, for example, analyzes how much you are spending on auto insurance every six months and sends an alert if it looks as if you could save money. You’ll receive a general quote showing how much you might be able to save. Then you can choose to get specifics from major insurers, such as Geico, Allstate, State Farm, Farmers and Esurance.
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You can access the same tools that Mint.com uses at InsuranceQuotes.com (both are powered by Bankrate Insurance). Submit information about yourself and your cars and you’ll hear from up to three insurance reps, usually including at least one independent agent who works with several insurers. Or you can get quotes at most insurers’ sites, such as Progressive.com, StateFarm.com. Some insurers’ sites now access public records (using your name, address and birth date) to find the cars registered to your address, so you don’t need to type in as much information.
You can get quotes from CarInsurance.com on your computer screen within minutes from insurers such as The Hartford, Travelers, Esurance and Safeco (you’ll still have to provide your e-mail address and phone number). The site’s online quotes are available in 40 states. All insurers check your driving record, credit score and claims record before offering a final rate. Another option: Visit www.trustedchoice.com to find a local independent agent who can shop for you.
