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Whats the best way to get the best insurance rates for car and home? I have a 25,000 truck from 2010 that I’m paying 1500 a year for and a house which I’m paying 1400 a year for. I live in Colorado. I bought my first house this year and I’m thinking that I’m paying way to much for my house and truck? I’m thinking of going to an insurance agent although i’m not sure how to source a good one. Another big problem is I never have access to my service so I have a really hard time comparing policies. Anyone have any insight as to how I can get better control of this situation?

3 Thoughts on Whats the best way to get the best insurance rates for car and home?
  1. Reply
    Zarnev
    March 23, 2013 at 1:21 am

    I’ve never heard of a 25,000 truck. I have heard of 250’s and I’ve heard of 2500’s.

    Asking friends and family which agent they use would be a good place to start to find an agent. Be aware that some companies sell only through captive agents, which means they can only sell for that one company, so you may have to speak with several before you get all of the information.

  2. Reply
    mbrcatz
    March 23, 2013 at 2:20 am

    Quite simply, shop around. Call several independent agents, get quotes from a whole bunch of companies. Those agents can whip up a simple spreadsheet and show you how to compare coverages.

  3. Reply
    Ron
    March 23, 2013 at 3:11 am

    The best way to get an insurance quote for a home and car is to do a web search on Google for free insurance estimates.

    Generally, there are websites which will give you a free quote from various insurance companies, based on your zip code and other factors.

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