Info Needed For Accurate Car Insurance Quotes

It is really unpleasant to shop around for car insurance and get auto insurance online quotes and then, when you go to purchase your insurance, the premium does not even come close with what you expected based on the quotes you received. You can avoid unpleasant surprises like this. Find out the info needed for accurate car insurance quotes.

autoNEW - images (1)First of all, make a list of what you need from your car insurance policy. Decide which coverage types you are looking for. Besides getting minimum state’s requirements, you may also be interested in additional protection, such as collision or comprehensive insurance coverage. Also, you can increase your coverage limits above the minimum required amounts, or get multi-policy plans if you have multiple vehicles in your household.

Check your budget. A higher budget allows you to pay a higher premium for your auto insurance, which can include:

  • A lower deductible
  • Higher coverage limits
  • Additional coverages – These include: collision, comprehensive, rental reimbursement, towing and labor, and more.

Your driving record affects your rates, since car insurance companies base their rates on how likely you are to have an accident. If you lie your violation or claims history, you might see lower estimated rates than when you actually get your policy. Your car insurance company will check your record, so it’s best to reveal this information right away.

The difference between the estimate and your actual cost may be relatively big if you use an online car insurance calculator instead of a full quote form, since car insurance calculators ask only for very basic information, such as:

  • Zip code.


Major life changes can have a significant effect on your car insurance rates. When you’re getting a quote, make sure it accounts for any recent life event. Some examples include:

  • Getting married – This can lower your rates, since married drivers tend to be in fewer accidents than unmarried ones.
  • Moving – This can raise OR lower your rates.
  • Getting a new job – Certain professions are associated with higher and lower rates.


Your quote will be more accurate if you can provide more complete information.

Before you call to get a quote or start using an online tool, gather your facts together.

  • Year, make, and model of your car.
  • The VIN for your car(s).
  • Your annual mileage.
  • Whether your car has anti-theft devices installed.
  • Social Security number.
  • The number of vehicles you are insuring.
  • Current insurance premiums and coverage.
  • Expiration date of your current car insurance policy.
  • Driving history.


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