Most motorists have a strong feeling about getting alternative auto insurance quotes one way or another. People who know they can save hundreds of dollars by shopping for the best deals cannot stop checking for better rates at each renewal and switch if they need. Once you know how easy it is and potential savings you cannot let a carrier charge you an arm and leg for something you can buy from any of the other hundred companies.
However, nearly 80% of policyholders don’t compare quotes and keep renewing with the same provider for years, having no idea how expensive their policies are. These people refrain from searching for affordable vehicle insurance for several different reasons. Many of them believe that it is a confusing process to get quotations and make a comparison. And others think that it is a futile endeavor because they believe they cannot find cheaper policies for whatever reason.
Is Getting Automobile Insurance Quotes Intrusive?
Privacy concerns may seem to be legitimate but they can actually be groundless as well. It may be daunting to provide your sensitive personal information to many agents and carriers. This would potentially open up identity fraud issues since giving them your social security number along with other details about you may allow them to steal your identity. Also, too many credit checks may affect your score.
Wouldn’t you be relieved if you could get quotes without giving personal details and no checks on your credit? Then, you should be pleased to hear that most auto insurers don’t ask sensitive information like driver license or social security number to give accurate enough premium estimates.
They don’t actually need to carry out full-blown checks on you just to give you a price. Carrying out those checks cost them money and it is pointless if you give out thousands of quotes with marginal take up. They can and they would carry out all those checks (including credit check) once someone actually buys a policy. This is the accepted view by most carriers.
You really don’t need to prepare many documentation or gather a lot of information just to check rates. You may want to take out your old policy as a reference point. But you don’t need your driver license or social security number with most providers. You may want to find yourself a good comparison website and we hope you choose this one.
What Information Is Needed to Get Quotes for Auto Insurance
Most insurers require a few details about yourself, your driving experience, claims, tickets, the way you use your vehicle, credit score, location, other listed drivers and your vehicle so that their premium estimates are accurate. It may seem like an exhaustive list but it doesn’t take long to complete a quote form or purchase a policy. Let’s break them down below.
Your Contact Details: Usually most associations start with you telling your name and perhaps giving your contact details. It is the same here. They need your address to determine where you keep your car at night. They already know how risky every zip code is and how much to charge if you live in a high crime neighborhood.
Your Driving History: You need to answer how long have you had your license, have you had any accidents in the last three years and is there any traffic violation tickets on your record. These don’t need much explanation as underwriters always consider how risky a driver you are and adjust your premium accordingly.
Other Listed Drivers: You need to answer the same questions for every other driver in your household and you want to include on your policy. Usually, every licensed person in your home must be included in your policy and you can include other drivers who don’t live with you.
Your Current Status: You may not think much of it but insurers care if you own your home, married and have any medical condition. These things do affect your rates along with your age and gender. Your job title is probably required too to check if you qualify for any special job related discounts.
Details of Your Vehicle: Usual questions are make, model, age, value, where it is parked at night, does it have salvaged title or has it ever been modified. You will also need to provide your yearly mileage and how you use your auto like is it only for social use or do you commute to work with it. They may ask the commute distance too.
Type of Coverage Required: You need to decide how much coverage you want because you need to tell if you are looking for a basic liability or full coverage and what extra covers you want included. You may want to check your current policy and make adjustments as you see fit.
Other Questions: You will probably get questions like your current insurer and renewal date.
Every little detail is important and can help you get cheaper car insurance rates. They may also increase your premium but you need to provide accurate information to the best of your knowledge. Essentially your declarations become part of your policy contract. For even more exhaustive list of details required, please check our homepage. You can also check prices with insurers on our panel here.