Make sure you are pricing the same thing.
For each quote, write down the insurer, policy type, covered people or business, limits, deductible, exclusions and proposed start date. Use the same risk details when requesting another quote.
Ask where the coverage stops. A deductible is the amount you may need to pay on an applicable covered claim; it is not interchangeable with the premium you pay to keep the policy in force.
A useful question for the provider
“If I choose this quote, what is the most important difference in coverage from the other policy I’m considering?”
Premium worksheet
Put two quoted payment amounts on the same annual basis. This calculation stays in your browser.
This is arithmetic, not a coverage recommendation. The estimate assumes unchanged payments and excludes deductibles, installment charges and other fees unless included in the entered amount. Match coverage and read the final policy.
Compare coverage before you compare price.
Compare the terms that matter to you. The provider sets eligibility, prices and final terms.
Coverage & exclusions
Compare the events covered, exclusions and policy limits before comparing prices.
Deductible & total cost
Check the premium, payment schedule and the amount you would pay before coverage applies.
Matching quote details
Use the same coverage limits, deductible and risk details when requesting quotes.
Provider & licensing
Identify the insurer and verify the agent or provider through your state insurance department.
Claims & support
Read the claim process and support options in the policy materials.
Renewal & policy changes
Read renewal, cancellation and policy-change terms before you commit.
Learn more: NAIC: how insurance works — opens in a new tab
Business insurance starts with the work you do.
Describe your actual services, employees, locations and exposures when seeking business coverage. A general liability policy, a professional liability policy and workers’ compensation address different risks; ask which coverages apply to your work and which are absent from the quote.
ERGO NEXT is one public example of a business-insurance provider. Its agent program lists business coverage options and states that commercial auto is not currently available through its appointed agents. Product and state availability require confirmation.
The link below is ordinary provider information. No Money is Info partner approval or agency appointment is implied.
Read ERGO NEXT’s business coverage information — opens in a new tab
Know who you are speaking with.
Verify the agent or insurer through your state insurance department. Confirm that the person can help with your state and policy type, and keep the quote and policy documents together.
RJ Employer Consulting is our related business. Its insurance site — opens in a new tab explains its quote route and compensation arrangements. Confirm the agency's role, your state and the policy type there. Money is Info provides educational guides here and does not collect your insurance details.
Primary sources: NAIC insurance basics — opens in a new tab · Find your state insurance department — opens in a new tab · ERGO NEXT agent program — opens in a new tab