Shopping around is the most effective way to lower your insurance costs. Experts recommend getting at least three different quotes for several reasons:
: Some insurers offer specific "new customer" rates or unique bundles that others do not.
: Age, health history, and lifestyle habits like smoking.
: Building materials, local labor costs, and home value.
: Industry type, number of employees, and claims history. Nine ways to lower your auto insurance costs | III
Insurers look at "risk profile" details to determine your quote. Common factors include:
: Two quotes with identical prices may offer vastly different protection levels or deductibles.
: Driving record, vehicle type, location, and commute distance.
