Auto Insurance Quotes
You've found your perfect car and now you're ready to buy auto insurance. Once you've researched the insurance companies you may want to work for, it's time to get quotes. There are a number of ways to go about getting quotes - we've outlined them here for you.
Getting started
To make the quote process simple and quick, it's best to prepare any documents and information you'll need to give an insurance agent. Leaving out pieces of information can result in a higher or lower quote that you aren't actually eligible for.
Gather up the following items before you sit down to get your auto insurance quote:
- Current insurance policy Declarations Page: Your current plan allows your potential new agent to draw up a policy similar to the one you have.
- Driver's license numbers and driving history: Providing your driver's license number and driving history allows the auto insurance company to look up any traffic violations or accidents on your record.
- VIN number: The VIN number of your new car allows the auto insurance company to come up with an accurate auto insurance quote based on the likeability that your car will be stolen, it's safety features, and cost of the car.
- A Credit Report: Auto insurance companies will review your credit history in order to determine the likelihood that you will make payments on time. A negative credit report may increase your overall rate
- Your address: Where you live determines the rate that an auto insurance company will quote you. You may also be required to give your work address in order to determine how many miles you are predicted to drive each month.
Agent quotes
A quote from an agent can occur over the phone or in-person. They will ask for the above information and will be able to provide a quote within a few minutes. The benefit of receiving a quote from an agent is that you are able to ask questions immediately - from questions on what type of deductible you should choose, the procedure for reporting a claim, what additional benefits are included in your policy to inquiring about discounts that you may be eligible for.
Online quotes
A quote from an online resource is both fast and convenient - all you need is a computer and an internet connection. Get an auto insurance quote during your lunch hour or while you're researching insurance companies online. Fill in the information required at your own pace - most online quotes allow you to save the information and come back to it later. Online quote systems also generally give you a number of options to choose from depending on the information you provide. One of the greatest benefits on online quotes is that you are able to receive a quote, print it out, then go to the next insurance company and get another quote. This method gives you time to analyze and compare each policy without being pressured by an agent to buy a plan immediately. The downside of online auto insurance quotes is that you will most likely have to eventually call and agent or visit a local branch - online quotes aren't always full-service.
When it comes to getting an auto insurance quote, your best bet is to get quotes from a number of companies and evaluate which plan is best for you.
Have other questions about auto insurance or how to get started? Want to speak with one of our licensed agents? Give us a call at 1-877-506-9466 and let us get started on your quote today!
