Finding the best car insurance company for you

To find the top car insurance companies:

1. Visit your state insurance commissioner’s website to find complaints and other information about companies in your area.
2. Ask your agent or a customer service representative any questions you have to make sure you’re getting all the coverage you need — and nothing you don’t want.
3. Consider smaller insurance companies, too. Small companies offer rates well below large competitors in many locations.
4. If you’ve had tickets, DUIs or other violations, be sure to shop three and five years after the incident, when surcharges can drop significantly.