Department of Insurance

• Shop regularly and as far in advance as possible. This will give you time to consider more companies and it will prevent a hasty decision.
• Contact several agents or companies to find the best combination of quality and price.
• Know what you want before you shop so you are less likely to buy something you do not need
• Consider each company’s reputation for financial stability, policyholder services, underwriting practices, and claim handling practices
• Ask about discounts
• Factors that may affect your premium
  • Age
  • Driving record
  • Where you live
  • How you use your vehicle
  • Type and features of car
  • Your deductibles
  • Your driving record
  • Your financial stability