Automobile Insurance

16 Shopping for Auto Insurance Auto insurance costs and coverage vary. You should always get several quotes. A quote is an estimate of your premium amount. An agent or broker can help you figure out your insurance needs, get quotes, compare policies, and get the best discounts. Keep notes of your conversations. If you want, have a trusted family member or friend with you. Compare policies: 1. Use the worksheet on pages 16–17 to decide what kinds of coverage you want. 2. Ask for each insurance company’s quote in writing. 3. Compare quotes. 4. Ask for the complete name of the insurance company that will issue each policy. • Make sure the company is licensed to do business in California. Go to www.insurance.ca.gov. • Check the company’s record for paying claims and customer service. Go to www.insurance.ca.gov and search for “consumer complaint study.” If you think you have been treated unfairly, call the California Department of Insurance at 1-800-927-4357.