How the comparison process works
Use a consistent process so that differences in price do not hide differences in coverage.
1. Gather accurate information
Prepare current details about your property, vehicles, drivers, current coverage, prior claims, and the limits you want to evaluate. Accurate information helps reduce later changes.
2. Compare equivalent options
Ask for the same coverage limits, deductibles, endorsements, and effective dates. A lower price may reflect lower limits or fewer protections rather than a better overall value.
3. Verify the provider
Before buying, identify the licensed insurance entity providing the policy. Review its policy documents, contact information, complaint process, cancellation provisions, and any fees.
4. Read before agreeing
Do not rely solely on a call summary or advertisement. Read the declarations, coverage forms, exclusions, endorsements, payment schedule, and effective date.
5. Keep records
Save policy documents, receipts, confirmation numbers, and correspondence. Ask questions about anything that is unclear before making payment.