01

Begin with the declarations page

Record the named insured, covered property or vehicles, limits, deductibles, drivers and policy dates before requesting comparisons.

02

Match the important terms

Ask whether each comparison uses the same liability limits, physical-damage choices, endorsements and deductibles.

03

Separate estimate from quote

An educational calculation or advertised example is not a binding offer. A licensed producer and insurer must confirm the application information and price.

04

Review service and stability questions

Price is one factor. Billing, claims process, financial strength information and coverage differences may also deserve review.