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Stretching your hard-earned dollars as far as they go is important, and one way to reduce your bills without losing anything in the process is by comparing renters insurance quotes. You already understand how important renters insurance is, but you may not realize how wildly the cost of coverage can vary. Here is some information to keep in mind when comparing renters insurance quotes that may make it easier to choose the right company. Ask Your Peers Some of the best leads for renters insurance are from people you know, including relatives, coworkers, and other renters in your building or neighborhood. Starting here lets you get first-hand information about the company and how well it responds to customer claims. One thing to remember here is that a disastrous claim filed by one person might have had excellent results when filed by another. Use the input from your peers to help you narrow down the choices in the next step in comparing renters insurance quotes. You can also get additional information about each company by reading insurance company reviews. Use Online Quotes Websites that offer you free insurance quotes provide you with an important comparison tool as well. When you fill out a form for a single quote, that information is used to determine the quotes of leading competitors at the same time. Using online renters insurance quote comparisons can save you a lot of time in deciding where to put your insurance dollar, providing you with organized comparisons that give you an overview of what the policy is going to cost. Check Licensing and Financial Stability Not every insurance company is licensed to sell all types of policies in every state. Before you sign up for a policy, check the credentials of the companies you are looking at, including their financial rating, complaints that have been filed with the Better business Bureau, and the data you picked up from your peers. If you are going to put everything you have into the hands of an insurance company, you have the right to know exactly what to expect when you have to use the policy. Customize your Policy Every policy is going to differ, and getting your fine-tuned is important in helping you plan your insurance needs. If you own a lot of personal property, increasing your limits or buying a rider might be a good idea. If you have an umbrella policy, it might be cost-effective to reduce the liability limits of your renters insurance. Get rid of coverage you cannot use, and add coverage for specialty items such as your iPad. The more you can tailor the policy around your family and property, the lower the rates will be and the better your results will be when you file a claim. About the Author: Terry Wood is a writer for US Insurance Agents. She works hard to help provide a fresh perpsective to insurance, personal finance and related topics.