Use these three steps when buying insurance:
 
Step One: Think about the type of insurance. Figure out what the type of insurance you are considering covers and decide whether you need it or not.

Step Two: How much of this type of insurance do you need? The coverage of policies varies. Some cover specific dollar amounts, others cover a percent of loss. Some have a deductible. Others exclude some types of damage. Consider these differences and decide which one is for you.

Step Three: Where will you buy it? The web has a host of services to help you comparison shop among companies. Type in "insurance" and you will find a number of related sites. On the other hand, you can work with a captive agent who sells you policies form one company or an independent agent which represents several.