1. Determine your state’s minimum insurance requirements.
  2. Consider your own financial situation in relation to the required insurance and consider whether you need to increase your limits to protect your assets.
  3. Review the status of your driving record — do you have any outstanding tickets or points on your driver’s license?
  4. Check your current coverage to find out how much you are paying.
  5. Get competing quotes from insurance websites and individual companies of interest to you.
  6. Make follow-up phone calls to insurance companies to get additional information about coverage.
  7. Inquire about discounts.
  8. Evaluate the reliability of the insurance companies you’re considering by visiting your state’s insurance department
    website, reviewing consumer surveys and talking to family and friends.
  9. Review the policy before finalizing it.
  10. Remember to cancel your old policy.