As with any major purchase, you’ll want to spend some time comparing the rates offered by various providers. Websites that aggregate quotes can help, but they may be limited. They tend to consider only very basic criteria. Instead, approach the company directly and start by gathering recommendations from trusted friends and family members.
Personal finance gurus endorse collecting at least three quotes from different providers. Remember that the way an insurance company’s sales funnel is organized affects policy costs. The lowest prices are usually available through companies that sell insurance directly to consumers over the phone or online, while the highest prices typically come from those that sell through agents.
One caveat: insurance agents provide value if you need to make a claim, as they can help you deal with the company more effectively than you would be able to on your own. Don’t necessarily cut them out of the equation just to save a few dollars up front, since the agent could earn their money in other ways if you ever encounter a difficult problem.