In most states, you must have liability insurance to drive a car, protecting other drivers if you get in an accident. However, in many cases, you’ll also want coverage for your vehicle and yourself. If you’re getting auto insurance for the first time, learn more about how to get a quote and what factors will impact the rates below.

How Does the Quote Process Work?

First, you’ll have to decide whether you want to shop with a specific provider or an independent agent. Keep in mind that an independent agent will have the flexibility to work with many different providers, so you’ll likely have access to more options that match your lifestyle and budget when shopping through them.

Once you find the company you’ll be working with, talk to an agent and submit a quote request. The quote is an estimate of how much you’ll pay for various policies and coverage limits. You’ll have to provide information, including your age, marital status, address, homeownership status, and whether or not you currently have auto coverage, to get an accurate rate. You’ll also need to provide specific information about your vehicle, such as the year, make, model, VIN, purchase date, and whether the car is leased, financed, or owned.

What Factors Impact Auto Insurance Rates?

Many factors will affect how much you end up paying for auto insurance. For example, younger drivers pay more, as they’re more likely to be reckless, and sportier cars incur higher premiums because they can go faster. Additionally, your driving record will factor in, because a history of tickets or other traffic violations can make you riskier to insure. Your credit score and the neighborhood you live in can also have an impact.

Do you still have unanswered questions about the auto insurance process? The agents at IGO Insurance in Raleigh, NC, can help. Since 1970, this independent agency has helped people throughout the state shop for home, auto, life, and business insurance from more than 15 providers. To get a quote or schedule a meeting with an agent, visit them online or call (919) 782-1560 today.