How to Get an Accurate Car Insurance Quote

| December 19, 2012

steering wheel

Shopping for car insurance need not be a hassle. If you gather certain information ahead of time, you can have multiple quotes within minutes. Learn what you need to know to get the most accurate quotes and where to go online. DexKnows listings also can connect you with an agent in your area if you prefer to speak with someone over the phone.

Have Relevant Information at the Ready

When shopping for car insurance, you will need to provide the following details:

  • Your age
  • Your gender
  • Your address
  • The make and model of the vehicle you want to insure
  • How many miles you drive per day
  • Information about other drivers who live with you
  • History of motor vehicle violations
  • History of claims against current and past car insurance policies
  • Coverage levels of your current policy

If you would like to save money on your car insurance by bundling with other policies, such as homeowners insurance or renters insurance, you will need to have that information available as well.

Visit an Online Insurance Shopper

Websites such as esurance.com or insurance.com allow you to enter the above details once and receive quotes from multiple car insurance companies. It proves helpful to have the information presented side by side, so you can see how the policies compare to each other in terms of levels of coverage and price.

Follow Up by Phone

While you can purchase car insurance through an online insurance shopper, it never hurts to follow up with an agent by phone. This allows you to ask any questions you might have regarding levels of coverage and whether you actually need certain elements of a particular policy. For example, an agent could help you better understand the level of liability insurance you need for your particular situation. You may have selected an appropriate amount using the online shopper, or you may not have enough or not need it at all.

An insurance agent also can confirm that no available discounts remain unearthed. Or, he or she can tell you of car insurance discounts you may qualify for down the road if you stay with the same company. If you do not yet have an insurance agent, DexKnows listings can help you find one in your area.

Ensure Accurate Quotes

Confirm that all of the information you gathered is accurate before getting started. Car insurance companies double-check the info you provide before issuing a policy, which could result in a different price than the initial quote.

Tags: , , ,

Category: Autos, Insurance

About the Author ()

Pamela Mitchell spent more than 15 years at daily newspapers such as the Hartford Courant and Houston Chronicle before becoming a full-time freelancer. She now writes about a variety of topics, from dining and entertainment to pets and travel.