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How do you shop for new car insurance?

What's the best way to shop for new car insurance? I think I've had enough of my provider and I'm looking to make a change.

avatar
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Shopping for new
car insurance
can be a long process, but staying organized and directed can make the process much easier.
Follow these five steps to find the insurance you want at the best price:
  • Collect your information. For accurate quotes, most providers will need your personal, car, and insurance information, along with your driving history. Keep it accessible and on-hand—you’ll need it!
  • Choose your coverage. Knowing how much of which kind of insurance you want can help you get accurate quotes much faster. Be sure to read up on your state insurance requirements before deciding.
  • Pick a shopping method. You can
    find all the information you want online
    , but you won’t have any guidance. Agents and
    brokers
    can be helpful, but they can also be paid commissions for sold policies. Each method has its ups and downs, so pick whichever one suits you best!
  • Compare providers. Once you get your quotes, compare the companies. Make sure their policies and price align with your budget and needs.
  • Buy your policy and cancel your old one. You should only cancel your old policy after you buy your new one. Lapses in coverage can actually lead to higher premiums!
Following these steps will help you make sure you get a policy that fits your needs. But if it sounds like too much work, you can always use
Jerry
. A licensed broker, the Jerry app will help you find and compare personalized quotes for free. When you’re ready, Jerry can even help you purchase a new policy and cancel your old one!
MORE: 10 ways to get cheap car insurance that’s actually good
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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