The Internet provides another avenue for automobile insurance shoppers. It is convenient and fast and that is why it is popular. However, when motorists want a quick online car insurance quote can they assume that it is accurate. Would they be surprised to see that the premium quoted is changed when they want to buy the policy? How much would it change if it does? These are the questions that will find answers below.
The short answer is that they are pretty accurate. Sometimes, there may be slight changes but this would normally happen if there were new information that was not provided (or not asked) on the quote form. As long as you provide accurate information you should get exact quotes.
For example, some companies may not check your credit score at the time of offering a quote. They may just ask you to state your current credit position. If they check your credit rating just before placing you on cover and find that it was worse than what you stated the quote may be adjusted accordingly.
There is a recognized problem with online quote systems and companies are looking for solutions. People don’t want to give their full details just to check a price. So, some websites and insurers are happy to offer instant car insurance quotes to customers. These forms require as little information as possible. And they offer the basic details of the coverage. If you are convinced with the price you can apply to get a firm price.
Generally, those two prices should be near to each other unless there are serious discrepancy with what you said and what they found out about you. A full quote may require companies to check your credit score, DMV driving license records and accident registry for your car. Insurers are able to check those details and they will check it when they feel it is necessary.
Another medium is the comparison sites that list a few options for you. Some of them actually show you prices from various companies. Those prices may change slightly when you visit the insurer’s own website and get a quote. Nonetheless, comparison sites tell you which companies are competitive and which companies are out of your league. This information saves you time and money. Some comparison websites like this one works differently. Instead of giving you prices they provide you with the links where you can get accurate and quick auto insurance quotes online.
When you see that a firm is charging twice more than the cheapest company do you bother to call them? Also, it is great to see the cheapest price to understand how low it can get. But you won’t probably buy from the cheapest of the cheap. At least this is my take on the matter and I would be looking for a company towards the bottom. You need to look at the cover on offer as well. Generally, not every full cover offer the exact same package. There are a few extras in a good policy package that a cheaper one wouldn’t include.
So, quick online car insurance quotes are great but make sure that you are fully satisfied with the coverage. Also, make sure that you provide honest and accurate details when you are getting those quotes.