Shopping for a new car is exciting, but shopping for new car insurance is sometimes stressful. But picking a policy doesn’t have to be confusing if you follow these simple steps.

1. Find a Provider: Consumerreports.org offers a list of top-rated insurance companies, such as AAA which underwrites insurance for Auto Club Group, Auto Club Enterprises and CSAA. Other top-rated companies include Allstate, Progressive and Geico-who doesn’t love their candid commercials? Additionally, Amica, a mutual insurance company, returns a dividend to its customers each year. You can also find an insurer through your workplace. For instance, NJM is available to residents in New Jersey and Pennsylvania and if you are employed by specific private companies or government agencies. If you are in the military, USAA is available to people who are members of the U.S. military, were honorably discharged, are veterans or directly related to USAA policyholders.

2. Compare rates: Be sure to request multiple quotes using a comparison tool. Viewing the estimates side by side helps you find the best deal. Be cautious of quotes that are significantly cheaper than the rest. Scrutinize those very carefully.

Click here for tips on getting discounts on car insurance!

About The Author

Vlog Mom/DFTM Creator

Not long ago, Heather Hopson hosted a television show in the Cayman Islands. Today, she's back home writing a different kind of story as a new mom. In her 15 years working as a professional journalist, this by far is her best assignment! Growing up, she dreamed of becoming Oprah Winfrey. She was the features editor for her school’s newspaper and a teen talk show host for her city’s most popular radio station. She went on to earn a bachelor’s degree in Journalism from Michigan State University. After graduation, she worked as a television producer and reporter at CBS, NBC and Fox affiliates throughout the U.S. Instead of heading to Chicago to join Ms. Winfrey on her set, she bought a plane ticket to the Cayman Islands instead. She arrived five days before a category five hurricane! She lived in paradise for seven years, hosted an award-winning television show and traveled the globe with a government delegation. She also served on the board of directors for Big Brothers Big Sisters and spearheaded a Send a Kid to Camp campaign. Then, she relocated to Washington, D.C. to obtain a teaching certification and instruct 8th grade reading at a high needs middle school. She later returned to her hometown of Pittsburgh, PA to raise her daughter Caitlynn, now 4-years-old. During her 10-month-stint as a stay-at-home mom, Caitlynn inspired her to create this blog, and Diary of a First Time Mom was born on Mother’s Day 2012. Two years later, she expanded the family to include 20+ writers. Currently, Heather serves as the communications director at Allies for Children. In addition, she is the owner of Motor Mouth Multimedia, which ranked #49 in Startup Nation’s Home-Based 100 Competition sponsored by Discover Card and Sam’s Club. Recently, The Pittsburgh Foundation and The Heinz Endowments selected Heather to receive an Emerging Black Artist award to develop Diary of a First Time Mom.

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