How can you get an auto insurance quote
January 6th, 2012
The precise procedures vary depending on the laws of the country where you live, this information primarily relates to the United States of America but the principles apply worldwide although the terms used will vary in different countries. Initially, you can contact an agent for an insurance company who writes this sort of business and ask for a quotation. Agents typically advertise in telephone directories and on-line. Among the advantages of using a local agent is that you can develop a more personal relationship with him/her so as to better enable them to assess your insurance protection needs. There are also a growing number of insurance companies that market directly to the general public. All other things being equal, the premiums charged for similar coverage may be slightly lower because the insurer does not have to factor into the rate structure (from which premiums are derived) the element of commissions. However, insurance sold in this way often comes in “prepackaged” policy limits (meaning, dollar amounts of coverage), which may not suit your needs. It therefore may be advisable to get the counsel and advice of an experienced agent. Regardless of the way in which you obtain the quote, it will be based upon the make and model of the vehicle (if physical damage coverage is sought), the driving history of the persons to be insured by the policy, the primary place where the vehicle is garaged (rates/premiums vary by location), coverage limits (amounts), and other factors. Various discounts are also available (such as for safety features on the car, good driver discounts, etc.) from many companies. In all events, be certain to buy insurance only from a licensed (sometimes called “authorized”) insurer. The authority of the company to transact business in your state can be confirmed through the state insurance regulator’s office, usually located in the State Capitol. If you do use an agent, be sure that he/she is a licensed agent, which can also be confirmed by contacting the state insurance regulator’s office. NEVER buy insurance from an unlicensed insurer or person.
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