The first step in shopping for insurance is getting an understanding of the coverage you need. Then, get quotes from a bunch of insurance companies. Comparing these rates will allow you to narrow down to a few companies. Research these companies to learn how they handle claims, their customer service ratings, their financial stability, and if they offer any unique coverage options. Finally, choose the company you think offers the best mix of coverage, ratings, and cost. An independent insurance agent can also help you with all of these steps.