If your looking for the best way to save on car insurance, then your not looking at price alone. It is important to save money and it is possible, but price isn't the only factor to look at when shopping for new insurance. Here are a couple of things to consider when shopping for new car insurance:
1.Price isn't the only consideration. Any company can save you money by providing less coverage. This isn't the best way to save. The difference between broad form collision and standard is usually $75-100/vehicle. Add that up over 2-3 vehicles and you can save $300-500/year by changing that coverage alone. This isn't a bad idea to go with standard coverage versus broad form, but you more than likely don't need to change carriers to save money with this option.
2.Not all carriers are equal. This is the same as buying off brand shoes or buying Nike. We all know which product is better. With Insurance, you get the same thing. When it comes to making changes to the policy, or most important; paying the claim. Not all carriers do a great job at this. With some carriers even a small change in the policy midterm can completely screw up the billing. This can be extremely frustrating especially if you are having the company take the money out electronically.
3.Some carriers will just turn around at your first renewal and raise the rates even higher then you were originally paying. This doesn't save you anything in the long run. This can also happen due to the agent giving discounts that don't apply. The carriers will remove them at the first renewal.
There are many factors to look at when changing car insurance carriers. The best option is to go with a well know A rated carrier. In most cases this will eliminate a lot of headaches in the long run.