Compare Rates / Shop Around
This step will save you some money, but may be the most time consuming.
It is recommended that you get at least three price quotes from different companies. These can typically be obtained online (websites like Progressive.com and CoverHound.com) if you aren’t a phone person. Some upfront information will be needed in order for the rates to be determined.
If you’re unhappy with your current insurer, it is wise to tell them that you’re considering a switch. They may offer you a discounted rate in order to keep you as a customer. If you do decide to switch, be sure not to cancel until you get another policy.
This is something you should be doing every few years even if you’re happy with your current provider, in order to make sure you’re getting a competitive rate.