For accurate comparisons, always ensure that competing policies offer the same level of coverage, both for limits and deductibles. Next, look carefully at all features. Basic liability, property, and medical policies tend to feature similar coverage, but differences may emerge among supplemental provisions.
If you have customized your car, need gap coverage, or are concerned with the elements of roadside assistance, take time to delve into details. On a broader level, consider the relative reputations and reviews of insurers, check out the company’s physical presence in your area, and see if any company will bundle other coverage you need (such as health, life, or renters insurance).