Getting the Right Auto Insurance Quote

When applying for auto insurance, consumers want to get the best deal possible. In order to get the best deal, motorists need to provide accurate information on their applications.

By providing agents with accurate information, motorists can be sure that they are getting the lowest premium based on their exact circumstances. Determining your auto insurance premium will depend on many factors, including where you live, the kind of car your drive, how much you drive, how much coverage you want, your driving record and even your age. If an error is made in reporting any of these important facts, your rates will not be quoted correctly.

Auto insurance misquotes can happen when your application information differs from your actual driving record. All auto insurance companies ask states’ motor-vehicle divisions to verify the records of drivers they insure. So, if you tell your insurance agent you have a perfect driving record, and it turns out that you don’t, your insurance company will end up charging you higher premiums than your agent quotes. To avoid these kinds of misquotes, make sure you provide accurate information about your driving record and any other facts that could affect the cost of insurance, such as the make of your car or how far you commute to work. It may be a good idea to spend some time reviewing your driving history and calculating how much you use your vehicle and for what purpose. If you collect your information carefully, you have a better chance of providing information that will lead to an accurate quote. Also, make sure you verify all of the information you’ve gathered before signing the application.

Getting the right quote on an auto insurance policy requires responsibility on the part of the consumer. The policy cannot be properly rated unless correct and complete information is provided. Without accurate information being given to the insurance companies, the quotes you receive will not be reflective of the rates you will actually end up paying. Supplying an insurance company with information that is inaccurate or incomplete will never result in lower premiums. Instead, it will simply waste your time, and you’ll end up paying higher rates than you anticipated.

When applying for auto insurance, contact a licensed Florida insurance agent who can help you review all of the information you need to secure an accurate quote. Even if you are searching for quotes online, make sure there is a licensed agent you can contact with questions.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit

Tagged with: , , , ,