hello, when you do shop around, go for well-known insurance company. Don't try some low-cost auto and unknown insurance company because they will give you a run around. Their rates maybe cheaper, but when it comes down to ermergency they really make it hard for you to win any type of case. they just don't work with you. Don't go to brokers because they work on comission. I used to work for an auto insurance company and they make mucho $$$ because their the broker. Brokers require deposits...whereas Allsate, State Farm, or 21st century, they give you a quote and you pay. NO worry about paying a depoist. I hope this helps!!!!!!