First thing to figure out is what coverage you need. If you have a good job and some assets you should probably carry the follow limits as a minimum
100/300/50 BI/PD
100/300 UM
500 Com
500 Collision
Towing
Rental
This is what is referred to as a split limit policy. By this I mean the insurer can settle the BI (Bodily Injury) and the settle the PD(property damage) as separate events.
A different kind of policy is referred to as a combined single limit. This type of Policy is offered through Amica. Rather tan having 100/300/50 a combined single limit policy would simply offer 350 K total and it would not matter whether it was a person hurt or property damaged. They will notpay out on this type of policy until all bills are in.
The next thing to figure out is what the car is worth. If it is an older car under 5K of value you may be well of to drop the Comp and collision.
If you have some cash and could handle a 1000 dollar loss I would go ahead and increase the deductibles for e comp ad collision.
If you are only looking for Auto Insurance and have a god driving record Wawanesa or Amica are good bets.
If you are a doctor, lawyer, teacher with a Msater level educaiton or PHD the Geico starts to becoem competitive aswell.
If you have other insurance needs such as renters, home, motor vehicles etc then it some time pays to take advantage of multiline discounts.
If you are a trust fund baby I might suggest increasing your coverage to 250/500/100 and would suggest looking for a million dollar umbrella policy.
Finding a trustworthy insurance agent is probably about the same difficulty level as finding a good realtor.
