Shop checks
By Donna Pike Last checked Nov 9, 2026
These notes come from two state insurance departments, Maryland and Illinois. Their pages focus on car insurance in those states. The process advice travels well, but laws differ, so check with the insurance department where you live.
When to look around
The Maryland Insurance Administration names some natural times to shop. They include before you buy a car, when you trade one in, when you add a driver, and when your policy comes up for renewal. (Maryland Insurance Administration: Tips on Shopping for Automotive Insurance)
Keep the comparison fair
Same facts, same coverage
Maryland's page says to give each company the same information. It also says to compare policies with the same coverages, deductibles and coverage limits. That way you are comparing "apples to apples."
One name, many companies
Maryland also notes that one insurance group often includes many companies. Rates and rules may differ from one company in the group to the next.
Take your time
The Illinois Department of Insurance warns shoppers not to be rushed into buying because of high-pressure pitches. (Illinois Department of Insurance: Auto Insurance Shopping Guide)
How discounts work
They vary
Illinois says the type and amount of discounts can differ by company. Some discounts apply to only part of your coverage. Others apply to the whole premium.
Common kinds to ask about
Maryland lists examples such as security devices, safety devices, a good driving record, defensive-driving courses and good-student discounts.
Bundling
Illinois says that if you need more than one type of insurance, you may get a discount by keeping it all with one provider. Ask how the price changes if you later move one policy.
Self-check
1. One price has a $500 deductible, and the other has a $1,000 deductible. Is that a fair match?
- Answer: No. Maryland's advice is to line up the same deductibles and limits first.
2. A discount is listed. Does it lower the whole bill?
- Answer: Not always. Illinois says some discounts touch only part of the coverage. Ask which part.
3. Name one natural time to look around.
- Answer: Any of these: renewal, buying a car, trading one in, or adding a driver.