In my opinion, your best option is to find an insurance agency in your community, possibly referred to you from friends or family.
An insurance agency is licensed to write with several companies and will find the best company for your needs, and at the best price.
This will eliminate unnecessary searching, overpaying and possible liability exposures. In addition, you will have an agent in your neighborhood that you will be able to rely on.
Every consumer should understand their policy, and most do not.
My opinion: Shopping for insurance over the internet is the worst choice available.
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