The first step in wielding your insurance power is by being an insured that most companies want, and second is to shop for the auto insurance carrier that works best for you. This is hard, because most people do not have time. You can spend a day or two looking on the internet for carriers that work for you, and just end up picking the last one you dealt with, just because you’re too tired to keep looking. This is why I recommend an Insurance Broker to help you shop for auto insurance, Brokers are typically situated to look at multiple carriers at one time, and they understand the appetite of the carries, which takes all the legwork out of your hands, and you do not pay them. Now full disclosure I am biased, because I am a Broker, but you can make the choice for yourself as to what the best option is.