: Established insurers are typically rated for financial strength by agencies like A.M. Best or J.D. Power for customer satisfaction.

: Every legitimate insurance provider or agency must be licensed to sell insurance in your specific state. Use the National Association of Insurance Commissioners (NAIC) tool to find your state's department and look up their license.

: Legitimate insurance companies will list a clear physical headquarters address and a verified customer service phone number.

: If they provide quotes significantly lower than established carriers like Travelers or Geico, it may be a lead-generation site or a potential scam.