To get car insurance quotes from multiple carriers, start by gathering your car’s details, driving history, and personal information. You can then use comparison websites or contact insurers directly to obtain multiple quotes, either online or over the phone.
As a licensed insurance agent, I know firsthand how important getting car insurance quotes from multiple companies is. It’s what I do every for my clients!
In this article, I’ll walk you through the steps to get car insurance quotes from multiple carriers, including what information you’ll need to provide and how to compare and evaluate the quotes you receive. By the end, you’ll have the knowledge and tools to find the best car insurance policy for your needs and budget, with advice from a licensed insurance agent!
Table of contents
To get car insurance quotes from multiple carriers, you’ll need to provide basic information about yourself and your vehicle. This is standard across every insurance carrier.
When people call my office, I ask for these same things. Most insurance carriers require this information to get accurate quotes. This typically includes:
Personal Details: Your name, address, date of birth, and other identifying information.
Vehicle Information: The make, model, and year of your vehicle, as well as the vehicle identification number (VIN) and any other relevant details.
Driving History: A record of your driving experience, including any accidents or traffic violations you’ve had in the past.
It’s important to be as accurate as possible when providing this information. All of this information will be used to determine your insurance premium.
Pro Tip: If you provide incorrect or incomplete information, you may end up with an inaccurate quote or a policy that doesn’t fully cover you.
To gather this information, you may need to dig out your driver’s license, vehicle registration, and other relevant documents. You should also be prepared to answer questions about your driving history, such as the number of years you’ve been driving and any accidents or violations you’ve had.
Once you have all the necessary information, you’re ready to start getting quotes from multiple carriers.
There are a few different ways to do this, which we’ll cover in the next step.
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Now that you have all the necessary information, it’s time to start getting quotes from multiple carriers. Shopping for car insurance annually is a great way to save money! There are a few different ways to do this:
Use An Online Comparison Tool: Many websites allow you to enter your information and receive quotes from multiple carriers at once. These comparison tools can save you a lot of time and hassle, as you don’t have to visit multiple websites or fill out multiple forms.
Note: Not all carriers will be included on every comparison site, so you may still want to check with some carriers directly. Here’s a list of companies that aren’t listed on comparison websites.
Contact Carriers Directly: You can also get quotes from individual carriers by visiting their websites or contacting them directly. This allows you to get a quote specifically from that carrier.
Work With An Insurance Agent: Another option is to work with an independent insurance agent, like myself, who can help you shop around for quotes from multiple carriers.
An agent can provide valuable guidance and advice as you compare quotes and choose a policy. However, keep in mind that agents typically represent a specific carrier or group of carriers, so they may not be able to provide quotes from all available carriers.
Once you have quotes from multiple carriers, it’s time to compare them to find the best deal. Make sure you are comparing “apples-to-apples” coverages if at all possible! Here are a few things to consider:
Coverage: Make sure the quotes you receive offer the coverage you need. This includes liability coverage, which protects you in the event you cause an accident, as well as optional coverage like collision and comprehensive, which covers damages to your own vehicle.
Price: Of course, you’ll also want to compare the prices of the quotes you receive. Be sure to consider the premium and any deductibles and other fees that may apply.
Discounts: Look for any discounts or promotions available to you. These could include discounts for good drivers, multiple vehicles, or certain types of coverage.
Customer Service: Consider the reputation and customer service record of the carriers you’re considering. It’s important to choose a carrier you can rely on if you need to file a claim.
Choose A Policy
Once you’ve compared quotes from multiple carriers and narrowed your options, it’s time to choose a policy. Make sure to take a day or two to consider your options prior to making a decision!
Pro Tip: Insurance companies usually give a “quote in advance” discount for those who want their coverage to start a week and more in the future.
Once you’ve chosen a policy, read and understand the terms and conditions before committing to it. This will help you avoid any surprises down the road.
I recommend that my clients shop their insurance rates periodically. This ensures the best rates and coverages. By comparing coverage, price, discounts, and customer service, you can find a policy that meets your needs at a price you can afford.