Tips to Get a More Accurate Car Insurance Quote

It has never been easier to compare car insurance quotes. You have a world of providers at your fingertips, with all the biggest and best insurance companies giving you fast, accurate quotes that you can compare against one another to find the best rates for you.

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But how can you get the most accurate online quotes and the best coverage options?

Study the Coverage Options

​Do you need comprehensive coverage, or can you afford to cut a few corners? This is one of the questions you need to ask yourself when comparing car insurance policies and determine what sort of coverage limits and options you need.

You need to have the minimum coverage required by the state, and everything else is chosen by you based on your expected needs. For instance, if you have more than one car then you may want to look into a multi-car policy. If you own a new car or an expensive car, you should look for comprehensive coverage, otherwise, the policy may not cover you for everything you need.

Have the Right Info Ready

To expedite the process, make sure you have all the necessary documents ready. This includes information such as your social security number and vehicle identification number, as well as specifics about the car.

This data should be as accurate as possible, as car insurers will use the data provided to determine the liability and set the policy premiums. Submitting incorrect information at this time could result in the policy being voided.

Understand the Cost and Your Budget

How much can you afford to pay every month without that payment impacting your finances? How much will your chosen coverage cost you?

This is essential information, and you should use it to calculate how much money will be leaving your bank every month and to determine if that additional expense is affordable or not.

From there, you can tweak the insurance policy to reduce the cost or increase the cover. For instance, if you have a relatively old and cheap car, then the bare minimum insurance will suffice. It will save you money and likely won’t make much of a difference in the event of an accident and a claim. However, if you have an expensive car, you should look into getting as much cover as possible without stretching your budget too thin.

Be Honest About the Mileage

Increasing your mileage will increase the cost of your insurance premiums. With this in mind, many policyholders will shave a few thousand miles off the estimate, but in the process, they’re jeopardizing all their cover.

If you make a claim in the future and it is determined that you lied on your policy, the claim may be denied and could cost you thousands of dollars. Auto insurance companies are only obligated to payout when you are honest with them and don’t try to defraud them by lying on your policy.

Check Discounts

All policyholders can qualify for some kind of car insurance discount and these are offered by most insurance providers. A car insurance discount is merely a price reduction based on a specific set of criteria, the rules for which can change depending on your demographic, location, educational status, and the kind of insurance provider you go with.

For instance, many providers will offer you a discount if you have a clean driving record, have completed a defensive driving course, have a new car or have a car that has been fitted with a multitude of safety features. You can also get discounts if you are a student with a good grade point average or if you are part of an automobile club.

Different insurance providers offer different discounts, but the savings are always worth the effort so make sure you look into these before you sign on the dotted line.

Take Your Time

Fast auto insurance quotes are great if you don’t have a lot of time to kill and want a quick, accurate quote. The problem is, the best car insurance quotes require the most extensive datasets, which means you will need to complete long questionnaires and applications.

By all means, look for fast online car insurance quotes where possible but be prepared to spend a little more time on the better providers. They will ask you detailed questions about your car, job, driving history, and more, before using this data to provide you with an accurate quote.

You don’t need to agree to that quote and can still walk away, and while it is taxing on your time, taking a few minutes to complete those steps will ensure you get the most accurate quote.

Improve Your Credit Score

A better credit score can improve your chances of getting the best insurance rates based on your demographic and location, as bad credit applicants may pay between $500 and $1,000 more a year when compared to applicants with excellent credit.

It’s not just about price, either. A good credit score will open a few more doors for you and allow you to get the best free car insurance quotes from all the top car insurance companies. And when your options are more diverse, your chances of getting cheap and comprehensive cover increase significantly.

Bottom Line: Accurate Car Insurance Quotes

As with every other form of insurance, getting full coverage at an affordable rate takes time. You need to ask a lot of questions, complete countless forms, and deal with many different companies. It can get tiring when you find yourself repeating your personal information for what feels like the hundredth time, but ultimately, a little time and effort will be rewarded in kind.

An accurate quote will limit potential issues in the future and ensure you get the rate that you deserve, one that takes all your positives into consideration. 

Just remember, this isn’t life insurance. Car insurance is not something that you buy and then forget about. The insurance companies certainly hope that you’ll do that, but by renewing your policy year after year you could be agreeing to significant price increases and paying much more than you need to without really getting any additional benefits.

Keep comparing, keep checking, and make sure you get the best rates year after year.