No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Call several insurance companies on phone. They can give you a quick quote.
Just like anything else you have to compare one offer to the other.
Insurance is one of those animals that will never be the same for any two people. You and your neighbor can have an identical policy and you could possibly still pay more. Most insurance companies today base rates off of credit reports and prior claims histories. And your higher rate most likely covers some BS you don't even need and the lower end might just have the bare minimum and not cover you 100%. Just food for thought.