I planned on getting competitive quotes after I got my model 3. I didn't realize it was going to be such a hassle. Every insurance company wants you to fill out some web form. I thought the insurance quote aggregators would make this easy, but they really don't help. Here's what you should do:
- Get PDFs of your current homeowners and auto insurance statements.
- Look up all the local insurance reps for the various insurance providers.
- Email or call them and ask for a comparative quote based on your current insurance parameters. You want an apples-to-apples comparison. If your current insurance provider provides full glass and roadside assistance, then that's what you want a quote on. Sending them the PDF is how you can avoid answering a million little questions. You'll also need to provide your SSN and every other driver's name and SSN. Do this through email.
- With the new quotes, contact your current insurance company and tell them you have been looking around and have gotten quotes way lower than what you are paying. Do not offer the quotes you received unless asked. If so, do not provide the lowest one. Pick the 3rd lowest. You can always counter with the lower ones if they come back with a quote higher than the lowest.
- Remember to consider that insurance companies give discounts when you have BOTH home and auto with them.
My Allstate insurance rates were TERRIBLE! The agent got it down to where it's the lowest of all the quotes I got without even having to negotiate.