<prompt> Human: I am about to take over paying for my own car insurance and I would like to shop around before I automatically renew. Over the summer I was involved in an accident that wasnt my fault, yet my insurance still went up nearly 75. Its roughly 575 every 6 mo now. Can we discuss the proper ways to go about researching for new insurers? I Would like to know if there are any repercussions to getting quotes from a few different places. I know they use something similar to a credit report for insurance agencies to determine risk level.  <response>: Youre shopping for a service, not attempting to open several different accounts. Its really not different than other intangible products like Internet or phone service.So, you should in fact get quotes from multiple companies for coverage to make sure youre getting a good deal.As for which companies are best, youre going to hear horror stories about each one. So really, Id just go with getting quotes from several of the major providers like USAA if youre eligible, AAA, Progressive, State Farm, etc.Just like shopping for Internet service you might get quotes from ATT, Comcast, etc... 