How To Get An Auto Insurance Quote

What you need to know to get the best auto insurance quote possible

Getting a great auto insurance quote can be overwhelming. It can feel like you either drudge through the online rating platforms and risk being put on a never-ending email list, inaccurate coverage and rates, and never being able to talk to someone directly when you need them – or you spend countless hours on the phone with an agent – or three – to find the best rates through them and hope for the best. Is that really it? Is there a better option or not?

Let’s take a look at what the options are and what will give you the best shot at a great auto insurance quote.

What is an auto insurance quote?

Let’s start with the basics. An auto insurance quote is an estimation of what you’ll be paying for auto insurance coverage. You can read more about what may be affecting your rates here, but from a sky view, these rates are determined by six factors:

  1. Other people’s actions: Fraud committed by others, uninsured drivers, lawsuits, and so forth.
  2. Your insurance history: Claims, years of prior insurance, credit score, location, age and discounts received among other factors specific to you
  3. Your coverage: The cost to repair or replace what you own and/or pay for claims you are liable for
  4. Insurance carrier actions: Insurance carriers must carry a cash reserve to be able to pay for claims and properly staff their organization so that claims can be handled effectively and timely
  5. Actions that industries that the insurance companies depend on to repair/replace what you insure: Body shops, parts manufacturers, vehicle prices, medical insurance companies, hospitals, contractors
  6. Government regulations and requirements

What do I need to get an auto insurance quote?

No matter where you get your auto insurance from, you will need to have some basic information ready to share. For the best experience, please have the following ready when you request your auto insurance quotes:

  1. Drivers license, or your date of birth, address, marital status, and occupation
  2. Vehicle Identification Number (VIN)
  3. Date of vehicle purchase
  4. Driving history – if you know of any accidents or violations that you’ve had in the past 5 years, be ready to share it for accuracy. The carrier will ultimately run a Motor Vehicle Report anyway, so all will be revealed at some point in the process
  5. Insurance history – proof of your prior/current insurance policy

Ready for an auto insurance quote now?

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