There is nothing worse than finding a great deal on your car insurance and then getting a shock when you receive the bill: the premium is much higher than you were quoted.  While this can cause you to feel frustrated with the car insurance company there are some situations where being a little more careful – and forthcoming – during the process of seeking quotes can save you from this situation.


 

An auto quote and the results of the various car insurance estimator is only as good as the information on which it is based, and if you provide inaccurate information or leave out important information when requesting a quote you might find yourself with a surprise on the bill.  Help the insurance company to give you accurate quotes and find the best deal on your car insurance by ensuring the information you provide is correct.

 

8 Avoiding Surprises: How to Get Accurate Auto QuotesDisclose Driving Record Issues

 

If you have an accident, a ticket, or something else on your driving record in recent years, it will affect your insurance rates.  The insurance company will quote you as a driver with a clean driving record unless you disclose this information; they won’t run your abstract until after you sign up in most cases.  This means that the ticket you hoped they wouldn’t find out about will result in a premium that is higher than the one you were quoted.

 

Who Will Drive, and Where Will They Go

An auto insurance policy rate is based on a lot of information, and one of the areas where the premium can vary from the original quote is in the use of the car and who will be using it.  If you quote a vehicle as a pleasure use policy you’ll get a better rate; however, if the car is actually your commuter odds are the insurance company will come back with a higher rate.

 

Who drives the car matters too; if you have a great driving record but have a spouse or dependant with a ticket or accident who is the regular driver of the car, this can change the rate as well.

 

Insurance companies do their research before they issue a policy, so odds are the things you leave out during the quoting process will come to light.  Get accurate quotes from the start by offering all of the pertinent information up front.  When you use an online quoting service to get comparison quotes, you will only have to enter this information once – so it doesn’t have to become a chore.

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