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Getting an Instant Auto Insurance Quote
Motorists are required to have insurance on their car, so getting the best price is imperative. However, the true cost of car insurance is far higher than what you will find from an instant auto insurance quote. Obtaining an insurance quote can be as easy as a phone call to various companies, an Internet inquiry, or talking directly with your current insurance agent. So let us help you!
Personal Information Needed
Getting your instant auto insurance quote requires answering questions regarding your driving history. The agent will also need to know the coverage you want. He or she will also need some personal information for any drivers who live in your household.
- All drivers names, driver’s license number, birthdate, sex, and marital status
- Driving history, for each person, including moving violations and accidents with dates
- Mileage each person drives
- Year of vehicle
- Cost of vehicle
- Vehicle identification number
- Special safety features
There are several important decisions you need to make regarding auto insurance before obtaining a quote. This includes the types of coverage you want, the amount of coverage you need, and researching the requirements in your state. The following gives you some basic information about obtaining an instant auto insurance quote from any company.
- Uninsured and Underinsured Motorist
Liability Auto Insurance Coverage
Each state has their own laws and regulations as to the types and amounts of coverage they require drivers to obtain. For most states, the minimum coverage is liability. Liability only covers property damages or personal injuries that are the drivers fault. Liability insurance does not cover damages to your own vehicle if you are at fault, and in most cases, to passengers in your auto.
Before you drive your car off the lot, it is important and mandatory to have acceptable liability insurance. In some states, it is illegal for anyone to drive a car without coverage, even if they have coverage on their own vehicle. You can receive an instant auto insurance quote, pay the first premium, and drive only from the time the liability coverage begins.
Collision Auto Insurance Coverage
Collision is generally a requirement of your lender when you purchase auto insurance, and this coverage names them as a lienholder. This means that if you have an accident that totals your vehicle, they receive payment first. This does not always cover the full price of your car, even if you just drove it off the lot. It is necessary for you to pay your deductible before the insurance company pays their portion.
GAP coverage protects you from the difference between what you owe on your vehicle and what the collision coverage will pay. GAP coverage is definitely important when you purchase a new vehicle. Otherwise, you can be responsible for thousands of dollars and have no vehicle.
Comprehensive Auto Insurance Coverage
Many lenders require you have comprehensive insurance. Comprehensive will pay for theft or damage to your car from vandalism, flooding, fires, and even striking a deer. For most people this is a standard part of their insurance coverage.
Auto Insurance Coverage for Uninsured and Underinsured Motorist
Unfortunately, it is all too often that a driver does not have enough coverage to cover you, your family, or your passengers. In order to be fully covered, it is safest to obtain both of these types of insurance coverage. Sometimes the cost of a lengthy hospital stay can easily extend beyond the coverage the other person’s insurance will pay.
There are many other options for insurance coverage. Your agent can give their recommendations for what coverage is best for you. An agent will need to ask questions to help determine what company can give you the best coverage for the least money. As you are discussing coverage, they will not discriminate in on things like race, religion, occupation, or place of residence.
Important Things to Know about Auto Insurance
As you can see, auto insurance coverage is very intricate, so you obtain what you need, while staying within your budget. Being a safe driver does help reduce the cost of your insurance over time. It can take many years of not receiving a ticket or not being in an accident before your costs begin reducing. Safe drivers who have no tickets have the ability to obtain the most coverage for the least amount of money.
If you have never had insurance before or have been on someone else’s insurance, as long as you have no tickets, accidents, or outstanding insurance claims, getting an instant auto insurance quote can be quite simple. However, for those who fall into a higher risk category, your insurance agent will be able to recommend ways for you to save costs while still having adequate coverage.
If you have left out a speeding ticket, your quote will be lower initially than if you disclosed it. The problem can be that if you pay a lower amount, you will be responsible to pay the difference, and they can cancel the coverage.
Additionally, the insurance company can cancel your insurance if they normally do not insure other drivers who had the same problem. Furthermore, the cancellation will make it difficult to get insurance from another insurance company. The information you give does determine your premium and if the company will underwrite the coverage. Some discounts can apply, depending on where you park the vehicle, average miles you drive, and any safety features.
Soliciting competitive quotes is essential to receiving the best price possible. Each insurance company has their own underwriting rules and rates. Spending time doing the necessary research can save you hundreds of dollars each year.
Read over some reviews of various companies, especially those who give you very low quotes. Some seem like a good choice initially, but have drastic increases when it comes time for renewal. Some companies sell insurance directly to consumers and others sell through local agents. To acquire some basic knowledge, you should check out our various articles, FAQs and Tips.
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