While it's crucial (it's the law, really) to have car insurance, it isn't good enough to simply commit to a company haphazardly without knowing that they are offering you the best value for your money. Most people don't realize how much variety there is from one insurance company to another until they have to file a claim. Noticing the disparities between the way their company is handling the matter versus the way another party's company is handling the same issue might be their first glimpse into that reality.
What makes finding a good insurance company such a difficult task is the fact that most people don't get a lot of experience doing this. It isn't something that's taught in school or at home in your childhood; it's not something you even hear about until you're old enough to drive...and even then, your parents are still typically looking after it for you.
By the time it becomes your own responsibility, all you really know about it is that it has to get done. It's highly unlikely that anyone has told you the importance of finding the right insurance company, much less how to go about doing so. If there's nobody in your circle of friends and family with helpful advice on this matter, are you without any luck? Certainly not! Who should you talk to then? A good start would be trying to seek out someone who might have experience dealing with a variety of insurance companies, like an auto repair shop. After all, if the repair is the result of a motor vehicle accident, then you can bet that insurance companies are involved. If you've made a list of insurance companies you're considering, it might not be a bad idea to ask such people about their experience dealing with the companies on your list.
Since many insurance companies offer the option of a free quote, this is a great way for you to compare prices. Additionally, any insurance company you are considering should be more than happy to sit down with you and attentively consider what would be in your best interest, while answering any questions you may have. If there's something about a company that makes you uneasy, address the issue, and if it's not resolvable, heed your red flags.
Try not to be daunted by the task. A little bit of effort on your part will actually go a very long way.