Have your personal and vehicle information ready. You’ll need to provide this information to a potential insurer when you shop for insurance. This information is for yourself and anyone else listed on your policy and will enable them to provide a quote to you. Here’s what you’ll need: 

Address 

Date of birth 

Driving history 

Driver’s license 

Education level 

Insurance history 

Marital status 

Occupation 

Your location matters. Where you live affects your insurance premium. For example, if you live in a densely populated city or where inclement weather is common (e.g., flooding, earthquakes or hurricanes), you may pay higher rates.  

Obtain an online quote or work directly with an insurance agent. Online quotes and insurance agents enable you to shop around coverage more quickly—and it’s free, with no cost or hassle. 

Get multiple quotes to compare insurance rates. Car insurers charge different prices for coverage.  

Your driving experience is an important factor with insurers. If you are a first-time driver, you pose a higher risk and will pay more for auto coverage. On the other hand, experienced drivers with a good driving record will likely pay less because insurers consider them a lower risk for an accident or filing a claim. 

Get the right amount of coverage. Work with your insurer to obtain the amount of coverage you want. Keep in mind that the more coverage you buy, the higher your bill will be, but you will also have more protection if you have an accident.