Car Insurance Quotes Checklist

30 to 45 days prior to the renewal date of your current policy is an ideal time for car insurance comparison shopping. You can learn about the coverage options you have and your choice of companies without the pressure of making a quick decision.

Every two years, or more frequently if your rate or your family situation changes. Rates vary widely from one company to the next, so a little time invested in car insurance quotes and comparisons can help you find savings—or make you feel comfortable with your current rate.

What information is important for a car insurance quote? Drivers: Date of birth, driver's license number and dates of all accidents and violations in the past 3 years. Don't leave anything out, because your company will order a motor vehicle report before you buy a policy, and your rate could change if you forgot a speeding ticket!

Cars: Year, make and model of every car. If you had any additional equipment installed after the car was manufactured, include the value so you know it's covered. This includes wheels, alarms, trim packages or custom paint.

Prior insurance: Name of current car insurance company and your renewal date. And, when you get a car insurance quote, make sure you're not allowing a "gap" in coverage from your current policy to the new one.