Share:

Online quote generators can make shopping for auto insurance seem simple, and many will present quotes in a matter of seconds. But how can you be sure the price you see is what you’ll actually pay? After all, auto insurance companies base their rates on a wide variety of factors, so they’ll usually need a lot of information before settling on an exact price. The tips below will help you eliminate uncertainty and get an accurate quote with no surprises later.

4 Tips for Getting an Accurate Auto Insurance Quote

1. Understand Your Coverage Needs

Most states require drivers to carry a certain amount of liability insurance, while Minnesota and many others mandate that every driver carry personal injury protection. If you have an auto loan, your lender may also require you to purchase collision and comprehensive protection until the lien is paid off.

2. Estimate Your Annual Mileage

auto insuranceAuto insurance companies base your premiums partly on how much time you spend behind the wheel. Before contacting an agent, check your odometer to estimate how many miles you drive every year.

3. Be Honest About Your Driving History

If you have previous accidents or ticket convictions on your record, your insurer will assume you’re more likely to file a claim in the future. To get the most accurate quote possible, it’s best to be honest about any blemishes on your driving record up front.

4. Contact an Insurance Agent

The auto insurance industry is complex, with each company offering a variety of discounts and products. A human agent will have the expertise to ask the right questions to find the ideal policy and the most accurate quote possible.
 

As a registered agent, Farmers Insurance: Daniel Oliver offers 30 years of experience and a selection of products backed by one of the industry’s leading carriers. He’s dedicated himself to helping Edina, MN, drivers protect what matters most, and he always takes the time to provide the individualized attention you deserve. Call (952) 925-4454 to request an auto insurance quote today, and follow his Facebook for more insurance tips and advice.

tracking