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Car insurance quotes: what you need to know to find a policy
After you’ve found your dream car, it’s time for a less-exciting task: finding the right car insurance policy. This process can be inconvenient and expensive, but in order to protect your investment and follow the rules of the road, it’s a necessity.
Fortunately, it’s easy to find car insurance quotes. Let’s learn more about comparing auto insurance quotes by reading our guide.
How to instantly compare free auto insurance quotes online
If you don’t want to spend your entire day dealing with car insurance companies, have the following information on hand to get an accurate online auto insurance quote.
1. Driver’s license and personal information for any drivers on the policy: Necessary info includes date of birth, address, occupation, and marital status.
2. Vehicle Identification Number (VIN): If you’re getting a car insurance quote for a new car, reach out to the private seller or dealership to get the VIN. If you can’t provide an exact VIN, you’ll need to provide the year, make, and model of your car to get a preliminary quote.
4. Date of vehicle purchase
5. Driving history: Your recent driving history — and that of any other driver(s) on the policy — with accidents, citations, claims, and any completed driving courses.
6. Insurance record: Some car insurance companies require at least six months of continuous auto insurance prior to issuing a policy. Have on hand a brief history of your auto insurance background.
What is a car insurance quote?
A car insurance quote is an estimate of what you can expect to pay for insurance coverage from a specific company. Auto insurance quotes are determined by the personal information you provide. Factors such as credit score, driving history, and age contribute to auto insurance rates.
The more information you provide upfront, the more accurate your insurance quotes are likely to be.
Are car insurance quotes free?
Many companies advertise free auto insurance quotes. Any car insurance quote you receive is and should be completely free. Insurance companies want to incentivize you to purchase a car insurance policy from them, so they won’t charge you for an upfront assessment (the quote). When comparing insurance rates, remember: you can find cheap online car insurance quotes for free from a variety of sources.