CAR INSURANCE QUOTES?
Jelaskan tentang CAR INSURANCE QUOTES?
Car insurance quotes are actually the estimates of the amount that is to be paid for the insurance of a car. Actually quotes give you a vision of how much money you have to pay for a car insurance coverage and it is based on the information required from the providers of insurance. You can say that it is an estimate subject to change based complete and accurate situation. Insurance is a smart choice for protecting what matters a lot.
Generally, the agents or the online applications dealing with the auto insurance quotes can ask you questions regarding the following categories:
- Do you completely own a car?
- What is your car’s model and make?
- How often you drive your car?
- Do use your car for business?
- How many cars do you want to insure?
- What is your car’s salvage title (if any)?
- Do you have had traffic violations? If yes how many?
- How many points you have on your driving record?
- Number of at-fault accidents you had?
- What is your age?
- What is your birthday?
- What’s your gender?
- What is your social security number?
- Do you own a home?
- Are you married?
- What is your occupation?
- How many household drivers you have?
- Any driver you want to exclude from your policy?
Auto insurance industry:
- Do you have any car insurance right now?
- Who is your current auto insurance provider?
- When will your policy set expire?
These questions are just some examples .
Each Company has their own system for determining its rate and therefore has its criteria as well for the required information.
Comparing car insurance quotes is rally very important. You should always get quotes from different companies, while shopping for car insurance because this is safer rather than sticking to one company.
If two insurance companies have same rates ,but this won’t be that much disadvantageous for you . But on the other hand if you only apply for one quote , it would be dangerous for you if the company wasn’t that good .
You should try comparing at-least 3 insurance quotes even more if you have time.
Some situations that might shop around include:
- Getting older may be a problem for you because typically, mature drivers (25 years or older) get lower quotes as compare to the younger ones.
- Buying a new car (new for you).
- Moving from urban to rural areas and vice versa, may substantially cause change in rates.
- Marrying or having children.
- Adding a teen driver to your policy.
- Some insurance companies offer discounts for bundling different types of coverage’s.
- Improved credit scores because companies sometimes use credit score to determine the rates. A good increase in your score can make you get a lower quote.
- Filing insurance claims increases the rates.
- Traffic citation and at-fault accident also increases the premium.
These things should be kept in mind. Always ask about discount and be honest because you can end up getting lower quotes for your car insurance quotes if you are not honest.