auto insurance rates can vary by hundreds of dollars or more from one company to the next — even for the same coverage limits and deductibles. But choosing a plan based on price, not standard features and quality of service, can cost you more than you’ll ever save on your premiums.

That’s why it pays to shop around. You can have someone do it for you. But who wants the extra cost of an agent, broker or who is often a representative of several companies and may not have your best interests in mind?

Do it yourself and get better coverage, service and savings. Just follow these steps.

Make sure you get an accurate quote.
If you want to compare auto insurance quotes, you need accurate information. So before you start, take a few minutes to make sure you have the following information available.

Have the following information on hand when you shop:

* Your Current Insurance Declarations Page
– By matching your current deductibles and coverage limits you can be sure you’re getting the same protection.

* Vehicle Information
– Year make model and VIN
– Annual miles and distance to work
– Value of any custom or after-market equipment
– Type of alarm or theft recovery device

* Driver Information (For each household member old enough to drive)
– Drivers name, occupation, gender, number of years licensed, and Driver’s License number.
– Any accidents or violation in the past 3 years including dates, who was at fault, if someone was injured and the claim amount.

Get more than one quote.
If you’re only getting one quote to compare with your current policy, you’re probably going to end up spending too much. There are a lot of car insurance companies out there and each one has its own way of determining rates. Multiple quotes will give you a better opportunity to make the right choice. Some website aggregates will give you an opportunity to get several quotes from a limited number of companies. But to get a better understanding of the features and service a company offers you should contact them yourself. The service you get shopping is a good indicator of what you can expect if you purchase a policy.

Check the fine print.
When shopping for car insurance you need to consider more than price. To find out what you’re getting, what’s covered and what isn’t, remember these tips.
– Get your quote in writing and confirm the accuracy of each vehicle and driver you are insuring.
– Make sure your deductibles and coverage limits match your current policy.
– Ask about special features, such as Emergency Roadside Assistance.
– Find out if there are additional membership or broker fees.
– Are repairs guaranteed for as long as you own your car?
– What kind of payment options are available?