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In the fast life we live, we need speed. But if we use this idea too much on the highway, we end up in a car collision. That’s not good. It slows us down. Then we have to pay the bill.
And if we’re not insured, that bill can be huge. So in this hustle-bustle world of speed, it’s important that we slow down for a bit and look into car insurance.
If you are already insured, great. But you want to get the most for your money. This requires shopping around a bit.
Just like you would do in the real world for clothing, groceries, or other items, it pays to compare. So where do you start?
Enter your ZIP code into the FREE quote tool located above to start now!
One of the best places to start is a comparison website that allows you to compare different plans side by side.
This allows you to see the best features of different plans so that you can decide for yourself based on your own individual priorities.
How to Fill Out the Forms
Once you start in on a quote, here are some tips on how to get the best deal based on the questions they ask regarding coverage types and your auto history.
– Personal data
When you are filling out personal data, be sure to fill this out completely and don’t leave anything out. This will include information like your name, DOB, driver’s license number, and other demographics.
Car insurance companies need this because they have to run a check to see what you will qualify for, based on your information, age, profession, and other considerations. The more accurate you can make this, the more likely you are to get a better deal.
Specific car information also helps determine the rate you will get with car insurance companies. For example, some sports cars cost more to insure than other models because it is believed that they hold a greater risk.
This involves psychological factors, such as the fact that people with red, sporty cars tend to speed more than those who drive sedans. Insurance companies take all of this into account when calculating your auto insurance estimate.
– Driving history
Be sure to include ALL driving violations, including tickets you received on the road. Keep in mind, though. You do NOT have to include warnings in this, only tickets you actually received and are on record.
– Coverage amounts
Consider carefully the coverage amounts you want, but don’t overdo it. Some people think they need every coverage listed. But it is wise to read the fine print carefully and decide which ones will truly benefit you. As a minimum, you need the state required liability and collision.
It pays to read every line to see what you need and don’t need and it is well worth the time it takes to do this. Many people just go through a form quickly to get it done with, and discover they have signed up for coverage they really do not need. Another tip is to avoid duplicate coverage.
If you already are a member of AAA, for example, you do not need to join the “roadside assistance” plan on your car insurance plan.
This would represent duplicate coverage and would cost you more expense than you will ever actually use.
– Special Factors
If there are any special factors regarding your driver’s license, prior insurance records, or driving violations, make sure you put this information in on the front end. This will save your quote from having to be recalculated later on, due to mistakes.
Other Advice for Getting Fast Auto Quotes
These are some good tips regarding how to accurately fill out the insurance forms so that your quote is handled in a fast and efficient manner without delays.
Some other things you can do to speed the process along include:
- Having your information handy when talking to an agent
- Making sure your vendor information is correct
- Checking for accuracy on all forms and paperwork before submitting
- Communicating your needs clearly to the agent
- Comparing the most essential aspects of policies with other companies’ offerings
- Asking important questions before you submit the paperwork
All of these things will help you by making sure that your information is correct, up-to-date, and accurate when talking to the agent on the phone. It is also important that there are no mistakes on the online forms.
Ask questions of the online agent while you have them on the phone so that you can avoid any misunderstandings. It is easier to correct something as you go rather than try to fix it later on, after the paperwork has already been submitted.
Other Tips to Get Your Quote Fast
Go to individual websites of some of your favorite car insurance companies and read their policy information before making a final decision.
Look for information regarding exclusions and things that involve specific coverage.
Asking for Help
Get the advice of an online agent or quote expert before deciding which company to go with.
Many times, they can see things you can’t regarding the auto quote, which will save you time and money later on.
This will also give you an opportunity to compare with other companies online, rather than having to go back and forth from one website to another to get the specifics.
Get Specifics Before Proceeding
Ask the agent if there are any discounts regarding your situation.
Some companies offer discounts such as student discounts, military discounts, safe driving discounts, senior citizens’ discounts, and many others.
This has become a very common thing among car insurance companies so make sure you see what you may qualify for.
Sometimes this information is included in the form you fill out online, if you fill out a form, prior to speaking with the agent.
Get Down to Brass Tax
One other thing you can do is to use an auto insurance comparison website to focus on the features of different companies‘ policies, and decide what you value the most. Some features will be almost identical.
But it is the fine print and the factors that are different that you will want to focus in on. Use the agents’ expertise when talking with them to determine this, if you cannot tell what these are yourself.
It is important that you get the right information at the front end, so that you can make an educated decision on which policy is the best for your auto insurance needs.
Get Your Act Together First
Finally, get all of your information together before going to the website for your quote. This includes vehicle registration numbers, driver’s license information, vendor numbers, and your own personal data, so that you will not have to locate this later.
Write down some questions you need to ask the online agent on the phone, so hat you will not forget any important ones.
Read the fine print and ask about exclusions and special circumstances. Ask the important questions before proceeding, to avoid having to change things later.
If you have the information you need together, do some comparison shopping for different aspects of the auto insurance policy at the front end, and ask the important questions, there is no reason why you cannot get a good auto insurance quote fast so you can get on with the important things in your life.
Finding a good auto insurance quote is important, but take your time to notice the small things. They can pay off big in the long run.
Use the FREE comparison tool located below to start comparing quotes for auto insurance instantly!