What You Will Need To Get An Auto Insurance Quote

If you have landed on this page, you are looking for auto insurance quotes. An auto insurance quote is easy to get just by browsing online or calling an auto insurance broker and the best thing of all it is free. You can get a quote instantly for your new or current vehicle over the phone or via the Internet. You want to get an auto quote to get an idea of how much insurance you will be paying.

Before you inquire about an auto quote, here is some information you need to have ready to make the process go smoothly.

• You will need what type of coverage you are looking for
• Your vehicle's VIN# or vehicle identification number
• The make and model of the vehicle you are insuring
• The name of your current insurance company if you have one
• Where will the insured vehicle be located
• The names and dates of birth of everyone living in your household.

This information is needed so that the insurance company knows who might be driving your vehicle. This usually drives up the costs of your insurance premiums especially if you have young drivers in the home.

It does not matter whether they drive your car or not or whether they have their own insurance on their vehicle. In the insurance company's eyes, they have access to your vehicle and their is a potentiality for them to drive your car. If I were you I would just tell the insurance company that you live alone to keep your rates as low as possible. This is your call.

• You will also need to provide your marital status
• What your vehicle will be primarily used for i.e. work, business, travel
• An estimation of how many miles you drive each year
• List any safety features you have on your car i.e. anti-theft devices, air bags
• Information on your driving record

They will find out anyway if you have had any DUIs, moving violations, accidents just by pulling your DMV records. Now I know you think that the insurance companies are just being nosy but they aren't. This personal information needs to be known in order for the insurance company to be sure they are not insuring a liability. They want to insure people that don't pose a high risk of having multiple driving problems. This poses a huge financial liability for the insurance company.

The types of people who should get an auto insurance quote or who are in need of auto insurance are those individuals who are driving or those whom are getting ready to drive. When you take the time to get an auto insurance quote online and not in front of an agent, you actually save yourself time, money, and gas.

For example, you get in your car and drive to the nearest car insurance company. You then take a number and wait in line for the next available agent. After 30 or so minutes go by, you are finally seen by someone. After going through all the questions you will be asked, maybe an hour and fifteen minutes has gone by.

Now you are tired and hungry and you just want to get out of there so you go ahead and sign on the dotted line and purchase the insurance from the agent without getting other quotes from other companies. Maybe you could have saved a few hundred dollars if you had shopped around.

When you come in to their office or get a quote over the phone, they know this already and they do whatever they can to keep you in the office or on the phone longer. When you do this simple process online and not over the phone or in an office, you stay in control without having to deal with this kind of pressure. Plus, you can get multiple quotes in a short amount of time right in the comfort of your own home. This saves you a lot of time, gas, money, and frustrations. So, after getting multiple quotes online, you can patiently wait for all of them to come in and see which company has the best rates and the most inexpensive down payment.

Another advantage of getting an online quote is that you get well educated about car insurance and the various companies out there. After you have received all of your quotes and have settled on a company you would like to do business with, you can now check the company's rating on how well they treat their customers.

On a side note, my niece had some vandalism done to her car. When she contacted Progressive Insurance about it, they immediately got back to her and ask if she wanted a check for the damages or have it fixed at one of their locations. She opted for the check and got it in a few business days. I am not affiliated with Progressive insurance in any way.

But when you settle on an insurance company, you want them to be there for you when you need them. Also, you need to know how strong your new insurance company's financial strength is. You don't want to go with a company who is near bankruptcy. If you get in an accident, you want them to be able to pay out if need be. This is the whole point of having insurance in the first place.

Before I close this article on auto insurance quotes, I must address a minor disadvantage to getting a quote or buying auto insurance online. There is a good point to sitting in front of a live agent. When you have an insurance agent they can get to know you personally and this can be very advantageous to you.

Even though you can chat with a live representative online, they normally do not have the time to get to know you personally as a live agent in an office can. A live agent in an office can more closely analyze your finances to get you the best rate possible whereas an online agent cannot.