- 1). Solicit information from insurance companies by calling customer service or visiting publicly available websites. If you speak with a sales agent over the phone, ask him to mail the company's informational brochures to your address. However, you may find it easier and expeditious to navigate to the company's Internet home page. Major insurance providers, such as Progressive, have a presence on the Web that provides current information.
- 2). Look up state-run insurance comparison websites. Most major insurance types, such as health, auto and homeowner, are regulated on the state level, not the federal level. Officials control prices, coverage and other matters that might affect constituents and consumers. As an example, the Texas Department of Insurance and the Office of Public Insurance Counsel run the HelpInsure.com website for Texans who need general information about coverage in that state. This website and other state-based sites may provide the extra, reliable convenience of price comparison tables.
- 3). Seek out an insurance broker or sales agent. Door-to-door insurance sales were a pretty common practice in the last century, where a trained professional was the middle-man between the customer and the insuring company. Modern insurance salespeople might not visit customers face to face as much as in the past, but they are still practicing.
- 4). Explore channels that concern federal/nationwide insurance initiatives. Though insurance is regulated on the state level, the lack of coverage across broad swaths of the country's population is a national concern. If a particular demographic or geographic region is ill-prepared against a natural disaster or other life-changing events (pregnancy, sickness, death), then the financial burden may unfortunately fall on the federal government. For example, the "Healthcare.gov" website is managed by the U.S. Department of Health and Human Services to help consumers find general information about health insurance coverage. Also, though homeowner's insurance is regulated on the state level, flood insurance is actually offered and sold through the Federal Emergency Management Agency. The "FloodSmart.gov" website provides detailed information on the National Flood Insurance Program.
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