The best way is to deal with an independent insurance broker who will shop 8-10 insurance companies for you. They can pinpoint the best coverage's and best rates amoungst these insurance companies. If you call a 1-800-insurance company, you are only getting their own rates. The same with the nation, name brand insurance companies on TV - you only get their own rates.
With an independent insurance broker, they will be on your side, figuring out the best deal for your own situation. Based on your claim history, driving records, where you live, credit, how you use your autos.....all factors that go into auto insurance. So when people say "call so-and-so for the best rates", it really isn't true because all the above factors mentioned will be different. Every situation, experience, age, credit, homeowner vs renter is so different.
Find someone you know, like and trust and buy your insurance from them.
Tom Larsen, an independent insurance broker.