The most common way people shop for auto insurance is by using the hit or miss method. That's where you call a handful of auto insurance companies at random, hoping to stumble across the lowest price. However, what you heard over the phone may not always be what you expected when it's time to buy. Therefore, when it's time for you to shop for your auto insurance, keep the following tips in mind:

1. First and foremost, WATCH OUT FOR THE LOWBALLERS!
Unfortunately the only way many agents and brokers can beat a legitimate low price from MJM is to lowball. That's where they tell you over the phone that it only takes $100 or so to get you started. However, when you go to their office to buy, the story changes and they make excuses why the actual down payment is $200 to $300 higher then what they said on the phone. Don't let them trick you into accepting it. If this happens to you, RUN!