What Is An Auto Insurance Quote – How Can They Help You?

November 11, 2016 · Posted in General Articles on Car Insurance 
by Mike Adams

Whenever you call an auto insurance agent to check on the price of insurance, he gives you an auto insurance quote. This quote is his best guess or estimate of what you will pay to an insurance company for the coverage needed for a six month term or a one year term.

The agent will need to take some information from you. This can be on line, over the phone or even in person. The information that you furnish will be entered into his computer to check a database with the parent company to see the cost of insurance.

Remember that he will only give you a quote. The parent company may check your driving record before finalizing the policy and find information that you failed to give. If so then the actual cost of the policy may be more than you were quoted. On rare occasions, the policy can actually cost less than the quoted price.

There are many things that can affect the price quote that the agent will give you.

There are many factors. Age and sex can make a big difference, especially if you are a male under 25 years of age. Because you are in one of the groups that has the highest number of accidents, you are considered a high risk client. You will pay more for your insurance than a person who is either female or over age twenty five. Persons more likely to have an accident will pay more for insurance.

Even whether you have had continual insurance coverage can affect what you pay as a bottom line.

Insurance can be a large expense. Safe driving keeps your costs down when seeking an auto insurance quote

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