When it was time to get car insurance for my first car there were no insurance quotes to compare; there was nothing to think about. It was my parents' policy and they went with the company they had used for years.
After getting married, there were still no insurance quotes to look at. When I took my husband's last name, the insurance company came with it. Because of the relationship established with the local agent, we use the same company for all of out insurance needs.
Was this the best way to go about getting insurance? It worked out for us, but getting insurance quotes is always the best route to go - especially starting out. It could be that the company that works for you didn't work for your parents. Most likely, the needs that you have today will be completely different from those of your parents (both then and now) and your unique requirements could require a unique insurance company.
Getting insurance quotes is easier than you might think; the trick comes with deciding just what you will put the highest value on - savings or availability. There are numerous online sites that will not only give you insurance quotes but will compare them to other insurance companies. This is easier (and more efficient) than calling numerous companies because it ensures that you will have the same information (discounts, deductibles, etc.) on all of the quotes.
Be prepared to give out some personal information. In order to give accurate insurance quotes, most companies will want to check the driving history of the person that is to be covered. If giving out personal information (even though it is perfectly secure) is not your thing, then you might want to stick with your local insurance agent.
If it is time to insure a car, a home, a boat (or any toy imaginable), take the time to get insurance quotes instead of relying on the same old same old.
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