the most efficient way to get a lower auto insurance quote is to get quotes from several independent auto insurance agents. that way, you're only contacting a handful of agents but can get quotes from dozens of companies.
word of caution: if you're getting a quote online, make sure the websites you get quotes from have a name, address and phone number listed. If not, you're quoting with a lead generation site. lead generation sites do not sell insurance. they simply sell your information to insurance agents. you may find the lowest rate this way, but your phone will blow in the process. any legitimate agent will have their info listed on the website.
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word of caution: if you're getting a quote online, make sure the websites you get quotes from have a name, address and phone number listed. If not, you're quoting with a lead generation site. lead generation sites do not sell insurance. they simply sell your information to insurance agents. you may find the lowest rate this way, but your phone will blow in the process. any legitimate agent will have their info listed on the website.