If you’re shopping for auto insurance quotes online, you’re going to find plenty of low prices. But keep in mind that the cheapest isn’t always the best. You will want to be covered if you get into a car accident and you don’t want to have to go into debt to pay medical bills and other expenses that may result.

With those things in mind, start shopping for auto insurance quotes online. Choose three or four different insurance companies. Log on to their websites or call their customer service departments. Be prepared to provide information about your driving habits and select the types of coverage you want. Then you’ll get your quote.

The next step is to compare quotes. Go with the one that provides the most comprehensive coverage, top customer service and a good price.

Do your homework

It might be helpful to research companies’ reputations before researching their auto insurance quotes online. Check with your state insurance department to make sure the company is licensed to operate in your state. You can also check to see if the company has a record of complaints.

You can also get this information from the National Association of Insurance Commissioners website.

Remember to figure out what kind of coverage you will need. Your state will have a minimum requirement on bodily injury and personal property liability. Chances are, if you have assets to lose if a lawsuit results from an accident, that coverage may not be enough. If that’s the case, you’ll need an umbrella policy to get more protection for yourself.

This background information will be very helpful when shopping for auto insurance quotes online.

More From Bankrate