Today’s technology allows you to find a number of accurate comparison auto insurance quotes in as quick as three minutes. Pretty amazing, right? Well, yes- but there’s a little more to it than that when shopping for affordable premiums. The quality of the quote depends on the information you provide. So as much as you probably want your insurance shopping to be over as quickly as possible, being thorough will pay you big dividends in the long run.
Here are some tips on getting the greatest value out of the fastest auto insurance quotes.
If you think about it, getting the most accurate comparison auto insurance quotes is a bit like putting together a jigsaw puzzle. You gather all the pieces and put them on the table. Then you let our shopping insurance portal find the right spots and put it all together for you.
How many times have you started an online quote, excited to see what can be scraped from your monthly payment, only to get discouraged halfway in? Chances are you simply didn’t have all your information ready. If you’re going to spend any time starting your quote, you might as well finish it!
It is always a smart idea to shop around for quotes a few times a year, but the basic information you need to gather for quotes doesn’t necessarily change. Taking 15 minutes to arm yourself beforehand will save you time, effort and money in the long run. So, let’s say it all together once: the-most-important-way-to-get-cheaper-auto-insurance ... is to be prepared.
Level 1- Rookie This is the minimum amount of information needed to get a barebones quote, which should be viewed as more of an estimate.
Vehicle: The basics would be make, model, VIN number and year.
Personal: Your full name, address where the car will be parked, relationship status (yes, being a newlywed will pay off here) and employment status.
Level 2- All Star This is where you get the discounts. Just a few more steps will get you a much more accurate, and therefore better-priced quote:
Driving history: Do you drive for business or personal use? Track your round trip commute, and know the average amount of miles you drive per year.
Insurance history: Have a copy of your current policy handy, or at least a copy of your proof of insurance card. Know how long you have been with your current carrier, and how much you pay. Any lapses in coverage should also be noted.
Incident report: Listing any incidents on your record right away, such as accidents and moving violations will save you a headache in the long run.
Having the proper information for comparison auto insurance quotes like CoverHound makes it easy to get a quick and accurate quote, with advanced drop down menus and yes/no options to get through the process with less typing. Once you get to our results page, you’ll see several quotes from top insurance carriers, making note of any specials offered such as discounts to renters or cash back policies for paying your annual premium in full.
So while you probably don’t want to put a lot of effort into your auto insurance shopping, a little bit certainly goes a long way toward a faster, cheaper and overall hassle-free experience.