How do I pick an insurance company?
Cast a wide net.
First, check what's out there. Get quotes from at least four carriers.
Find a free database such as InsWeb, which offers quotes from up to 8 insurers.
Try these options.
Companies like State Farm and USAA that deal directly with consumers without using independent agents are called "direct writers". In theory, they can pass on their savings by eliminating the middleman.
Direct marketers like Geico, AIG, eSurance and Answer Financial save on overhead -- and pass on the savings -- by marketing by phone, mail, or the Internet (via sites like this).
Let your state be your guide. Most state insurance departments offer on-line shopping guides for homeowner's insurance. Your state's guide may identify little-known companies with competitive rates. Insure.com can link you to your state guide.
