Top 10 Questions About Car Insurance Quotes

Fran Majidi
October 4, 2019

If you’re reading this article, you’re probably trying to find the right way to go about shopping for car insurance so you’re not overpaying. At the same time, you don’t want to compromise the quality of the insurance you buy. There’s nothing worse than spending money on something that won’t have a payout when you need it.

We have some frequently asked questions below that many people in the same predicament as you have about car insurance shopping. Hopefully, we can streamline your shopping journey so you can get the best insurance for the least amount of money.

What are quotes for car insurance?

Car insurance quotes can come from different sources. Sometimes, you can get a quote directly from the insurance company, which may employ a team of captive agents, who are ready and prepared to generate a quote for you. Sometimes, an agent will be an independent agent, who works with several different insurance companies. They may be able to offer you several options for car insurance quotes. If you prefer to start your car insurance quote online, you can use an insurance comparison-shopping engine, like SmartFinancial, to get many free car insurance quotes, which will accurately reflect the prices offered in your area and based on your information.

How do I get car insurance quotes?

After you visit, be prepared to answer some questions, which will determine the accuracy of your online car insurance quote. Usually, when you’re given the official quote, your driving record will be visible so it does you no good to lie. In fact, if you’re caught lying, your car insurance rate may go up because you’ll be seen as a potentially high-risk driver. Saying you’ve never been in an accident when you have only works against you.

What is a car insurance quote?

A car insurance quote is an estimate of what your actual rate will be with prospective insurance carriers. Your quote will be as accurate as you are honest, and if you’re dishonest, you may inadvertently raise your rate. It may take an insurance agency a quarter of an hour to provide you with a quote, but an insurance comparison engine like SmartFinancial’s can give you an accurate quote in 5 minutes, unless you have multiple cars and multiple drivers, which would tack on another couple of minutes.

When you visit the SmartFinancial Page, you will be asked to fill out a form. It’s simple and shouldn’t take you more than a couple of minutes. You’ll need to have some information handy to make the process of getting a quote a little faster.

Does getting car insurance quotes affect credit?

In some states insurance companies are not allowed to use your credit rating to determine your auto insurance rate. In California, for example, your credit will not affect your car insurance at all. However, in many states, it is legal to do what is called a “soft pull” on someone’s credit. It’s thought that the lower your credit rating, the more risk you may pose as an insured driver. This type of soft credit check will not affect your credit.

What information do you need for a car insurance quote?

The following are pieces of information you should have on hand when filling out an insurance form for car insurance quotes online. You’ll need your zip code, the car you will be insuring, the primary use of the vehicle, approximately how many miles you drive annually, the name of the owner, license status (active, permit, etcs), information on safety equipment (anti-theft device) for a discount, your marital status, your occupation, the highest level of education you’ve completed, violations on your record, the number of accidents or claims on your record, the number of drivers in your household. You will also be asked if you’re a homeowner, if you’re currently insured and you’ll be asked which coverages you want on your policy.

Where to get the best car insurance quote?

The fastest, free way to get a car insurance quote without having to make a call is to visit

Can you get an insurance quote before buying a car?

You can use the SmartFinancial Car Insurance Calculator to see how much a car you’re considering buying will cost to insure. To actually buy insurance for the car, you need to own it and have a Vehicle Identification Number (VIN) for the specific car.

Why are my car insurance quotes so high?

Have you gotten a ticket for a moving violation? If so, it may have been reported to your insurance company. You may be able to bring down the rate by taking an online driver safety course. Call your local DMV to see how you can get the points on your license removed. Your insurance company may lower your rate after you do so.

Do you own a very expensive car? If so, you may still have a loan on it. Most lenders require full coverage on cars being leased and financed, so this could be why you’re paying so much in insurance. Also, the value of your car and how much it costs to repair will also impact your car insurance rate. You’ll notice that most of your car insurance quotes fall within a relatively close range because most insurance companies use the same factors to determine your rate. Do you live in a high-crime neighborhood? Do you have a job that indicates risky behavior on your part? Different auto insurance companies use different formulas to come up with a rate. To learn more about what factors determine car insurance quotes, visit here.

Why has my car insurance quote gone up?

In addition to the reasons listed in the question above, your deductible amount will affect your quote. After a claim is filed and processed, you are required to pay a deductible amount before coverage takes effect. You set a deductible rate when you first buy insurance. Usually, you choose from the following: $250, $500 or $1,000. The less you pay for a deductible, the higher your premiums will be and vice versa. To lower your premiums, you can raise your deductible.

Otherwise, your quote may have gone up due to an accident, a new car, new garaging address, a change in your marital status and even a change in your credit score.

Are car insurance quotes online accurate?

Some car insurance quotes online are more accurate than others. If you want to get a car insurance quote for the car you’re considering buying, we suggest you use this car insurance calculator because you can’t get a car insurance rate without owning a car. If you want a car insurance quote for a car you own visit here for the most accurate one.

How do I compare car insurance quotes?

You can spend hours, days, comparing car insurance quotes by going to each company one at a time. Or, you could visit and get the lowest car insurance quotes online and in a handful of minutes.

How to lower car insurance quotes?

The easiest way to lower car insurance quotes is to raise the deductible. That should immediately lower your premiums. If you’re really serious about lowering your rate, however, you’ll want to choose a less expensive car to insure. If you can buy the car outright, you only have to carry the minimum insurance too. Another thing to keep in mind is to look for discounts. You may be eligible for some, whether it’s a Good Student discount, Safe Driver Discount, Veterans Discount or a Mature Driver Discount, there are several ways to save.

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