One of the best ways to find affordable insurance without skimping on coverage is to begin your search sitting at your computer. Shopping online gives you some research advantages that you can't get over the telephone, like checking the A.M. Best website to find out which companies are on sound financial footing and which ones are going through internal change.
Getting an online quote also lets you compare the premiums on the same policy between multiple companies so that you can see how much money you can save from one insurer to the next. If you need to customize the policy to fit your particular needs, online quoting lets you make changes once and then apply them across the board without having to fill out the same form countless time.
Another advantage of shopping online is that you can purchase the policy online when you find the one you want at a price that fits your budget. In most cases, you can still visit an agent if you want to, but online insurance websites make it easy to find the best prices without a heavy sales pitch. And once you have purchased the policy online, you will be able to manage your policy online as well, freeing up precious time and cutting through the red tape.
If you are having trouble finding coverage in your price range, try raising your deductible if you can afford to do so. Higher deductibles translate into lower premiums, but be careful not to make them too high. If you cannot afford to pay the deductible out of pocket and have to file a claim, you may lose the claim because you were unable to fulfill your side of the contract.