They could be mailing you written materials, emailing you or calling you so you can deal directly with them and thereby reduce your premium costs.
If you are concerned about the reliability of their marketing materials, check out insurance quote providers and insurance comparison sites such as insure.com, insweb and quicken insuremarket.
You can also visit the web site of your state insurance department. Most government agency web sites now are updated and are now even better than many privately-operated web sites. They now offer useful insurance shopping guides.
Among insurance firms that have been offering insurance policies through their web sites are State Farm, USAA, Progressive Insurance and Geico. You can get quotes just by providing some details so the site can estimate your premium.
Typically, the insurance company quote calculator needs your zip code, the age and type of your house, number of bedrooms, size of your house and some other questions very easy to answer. You are also given the option to talk with an online agent free of charge and with no addition to premiums.
After getting information on premiums, check if the insurance firm is also offering other types of insurance that you need. Most insurance companies offer discounts if you buy all or most of your policies from them.
Compare also the types of discounts offered by the insurance firms and the percentages offered. You might see a type of discount with generous discount rate that applies to you.
Another issue to check is the performance of the company in terms of claims processing. The company may be known for giving generous discounts, but very slow in processing claims. Again, you can check the performance of insurance firms with your state insurance department. Your insurance department’s web site might also have a section that lists complaints against erring insurance firms.
It is also for your benefit if you are updated with insurance news. With current information, you would know which insurance firms are failing or which companies are expected to collapse. You can then make the proper response.
From time to time, take a look at reputable finance web sites. These sites announce developments in the business sector that affects consumers. This way, you can make sure that you have chosen a strong and stable insurance company.