Take a glance at your state insurance departments site to determine what exactly is required to be insured in your state. Some states require different coverages than others. For instance, in New Jersey, any financed auto is required to provide full coverage insurance.

Take a look at your personal financial status to figure out precisely what types of coverage you need. If you don’t own 100k worth of assets, for example, you won’t require $100,000 worth of insurance.

Go by your DMV, should you not be able to remember, and ask for a print out of your previous driving history. This will help you figure out what kind of rates you can expect to pay.

Retrieve the insurance policy printout for your current premiums, and determine exactly what types of coverage you are paying for at the time. Having this knowledge can help you determine how you can change your premiums.

The net is a great place to get auto insurance comparison quotes from. One website that comes to mind is InsWeb.com, to receive fast quotes.

Now that you have a few quotes that you received online, it is time to start calling companies. Make a list of a couple questions that you want answered during the interview.

Have you been a safe driver for a few years? What about not letting your coverage lapse? If you feel you might qualify for discounts, don’t be afraid to ask! You probably do qualify for a few!

JDPower and other company rating websites on the net will give you a grasp of what the insurance company is like. Check out their complaint ratings, and also how they handle claims.

Once you have determined what types of premiums, and what company, it is time to terminate your old policy! Keep the old policy handy, while you are waiting for your fresh insurance papers.

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