When you have bought a fresh new car, the very first thing is to find a stable and trustworthy insurance for it and yourself, here you can have a quick look at the easy tips on car insurance quote.
What Information Will I Need?
It is best if you have the following information nearby:
- Your current policy (if you have one) : this can be helpful as a reference so you know what coverages you currently have.
- Driving record information from the last five years (including accidents, violations and claims) for all drivers you’d like included on your policy
- Driver’s license number(s)
- Your car’s make, model and year, as well as its Vehicle Identification Number (VIN)
- The odometer reading for each car you’d like an insurance quote for
- The location where your vehicles are typically parked
What Factors Will Affect My Rate?
There are three major factors when your rate is calculated:
- Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle’s safety features can help lower your auto insurance quote, as can how often you drive the car and what type of driving it’s used for (business or personal).
- Your Address: Where you live and park your vehicle will affect your auto insurance quote.
- Your Driving Record: Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.
Make sure that you are comparing similar coverage, limits and deductible amounts, if you already have a car insurance policy.
What Coverage is Best for Me?
When purchasing a car insurance policy, you want to make sure that you’re getting the coverage you need to fit your specific situation. You can learn more in our Insurance section,which may let you review different levels of auto insurance coverage to help you determine what fits your needs.
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