What To Expect From An Online Car Insurance Quote

It’s so much easier today to buy insurance than it was only a decade ago; thank goodness for online car insurance quotes! The Internet gives you access to hundreds of insurance websites, and while it may seem intimidating, you can make online car insurance quotes work for you. Fortunately, with a copy of your current car insurance policy in hand, you can shop online, and compare and contrast prices, coverage amounts and customer service.

The online process starts as simply as entering your zip code. One thing you should keep in mind, these websites do require personal information to give you an accurate quote, and by agreeing to the terms and conditions of the websites, you are giving them the right to obtain information from agencies that provide such information as your driving record, credit history and claim data. Your withholding of specific information can be considered misrepresentation, and may result in an insurer denying your application.

“What information do the insurance companies ask for?” you might be wondering. Good question, it does vary among the companies but, in general, here’s what they are looking for:

Zip code: They want to know exactly where you live; premiums are based on location with rural communities getting a better deal than their urban counterparts.
Own or rent: Homeowners are considered lower-risk than renters.
Years of driving: They need to determine if you’re a new or an experienced driver.
Age of primary driver: The younger you are, the more money it will cost to insure you.
Driving history: This information appears on your driving record, so be honest – if you’ve got a couple of moving violations then acknowledge them.
Credit history: This information is also verified through the credit reporting agencies, but they do ask that you “rank” yourself.
Vehicle to be insured: Basic information, such as the make, model, year, as well as the installation of any anti-theft devices or customizations, etc.
Primary driving usage: The insurance company wants to determine if the primary usage will be for pleasure, commuting or business. Be honest here, if you suggest that you will only use your vehicle for pleasure, but file a claim for an accident that occurred while you were making deliveries or some other business-related activity, they may deny your claim as misrepresentation.
Other drivers in the household: All licensed drivers who live in the residence should be added to the policy.

Once you’ve input this information (truthfully), you will either get an instant online car insurance quote or the promise of a quote by email or phone call. If you prefer to remain anonymous, because you’re just “browsing,” several insurers will also give you a “ballpark” estimate.