Compare the coverage before choosing the price.

Give each quote the same starting facts.

Use the same property description, drivers, operations, and desired start date when requesting options. If one proposal uses different assumptions, ask for an explanation. A comparison cannot be reliable when the underlying information changes.

Build a side-by-side list.

Ask Todd to help identify differences you do not understand. Some items cannot be made identical between insurers, which is itself useful to know before deciding.

• Insured people or business, locations, vehicles, and property.
• Coverage types, limits, sublimits, and deductibles.
• Valuation terms, important exclusions, and optional coverages.
• Proposed effective date, policy period, and payment arrangement.
• Eligibility conditions and information still needed by the insurer.

Separate a quote from confirmed coverage.

A quote is a proposal based on information and conditions. Ask what must happen before the policy can take effect. Keep existing coverage in force until any replacement has been confirmed and you understand the transition. A request made through this website does not bind or cancel insurance.

Keep questions about price specific.

Ask why two proposals differ rather than assuming the cheaper one is equivalent. If a discount or combined-policy option is mentioned, confirm its eligibility and how it affects each policy. No particular price or savings is promised here. You can start with one category or choose Multiple policies to discuss several together.