December 7, 2009

How To Get The Most Accurate Auto Insurance Quote Online

When you want to get the most accurate auto insurance quote online, it’s a good idea to know how insurance companies rate vehicles and determine insurance costs, discounts and options that can affect how much you have to pay. If you give the insurance company as little information as possible, whoever answers your request won’t have enough to go on in order to make your quote accurate. It’s tempting not to offer too much information so you don’t get spammed with companies trying to sell you something – especially if you use a site that lets you get quotes from multiple companies – but it’s very important to be thorough in order to get an accurate price on an auto insurance policy the first time around.

The best information you can offer to any auto insurance company is the VIN of the vehicle you’re thinking about purchasing (or already own). The VIN, or Vehicle Identification Number, is found on every vehicle. It can tell an insurance company the make, model and year of the car, truck or motorcycle. It also helps with auto insurance quotes because the insurance company can determine what kind of equipment came standard on that particular car. This could include things like front and side airbags and alarm systems, as well as anti-lock brakes and other options. The higher the number of safety features the lower the cost of insurance – no matter what type of car you’re driving. The VIN will provide the insurance company with the most accurate description of the car and, therefore, making it possible for them to provide the most accurate auto insurance quotes. You can certainly get auto insurance quotes without it, but you might find that your auto insurance policy doesn’t cost what you thought it would as it may adjust when you actually enter your VIN for the final purchase.

If you don’t have the VIN, providing the make, model and year of the car are all necessary to get auto insurance quotes that have any kind of accuracy. In addition, it’s important to find out what features your vehicle has. If you don’t know, you should say that the car doesn’t have the feature. That way, your quote for auto insurance may be higher than what you actually have to pay, but it won’t be lower. If you say that the car has every safety feature, but the VIN reveals that this is not the case, your price for the auto insurance policy could potentially be a lot higher than you were expecting.

When you’re serious about getting good auto insurance quotes, the more information you can provide the better for the company to help you.