The easiest thing is usually to find a good Independent Insurance Agent ie Broker - you give them your current coverage, ask for recommendations and he'll come back with the best quote for you. He'll get the policy issued and he'll be your contact in the future.
Looking on line drives you insane, I looked, because my car insurance went up.
On line, Progressive was the only one that was relatively painless and gave me options and recommendations on coverage in plain speak. They were actually the same as my current carrier - but I could save $49 or $98 annually if I paid it in full every six months. So now I am wondering if I could be doing the same with my existing insurer - duh.
State Farm on line quote process had me spitting nails and I'm not crazy about calling them.
The thing is, some of the big insurers will not work with an Independent Agent, so it does pay on occasion to at least get one quote from a place like Geico.
UPDATE: Just got off the phone with my current carrier (Geico) - I can take their driver safety course on line and drop $37, changed deductible on PIP and voila - SAVINGS $53 OR $106 annually - WIN:) and I can leave it on monthly payments.