How To Get Free Car Quote Insurance

Introduction

Having insurance is a requirement for driving a vehicle within the United States. If you are in the market for insurance for a new or used car, you can request a free car quote insurance from a variety of sources. Before trying to obtain a free car quote insurance, you have to do your homework to ensure that the quote you receive is fair and reasonable. Without undertaking certain steps, you could potentially end up paying more than you can afford or want.

Step 1

Gather information about each driver before seeking a free car quote insurance. When receiving your quote, you will need to provide information about each driver such as driver's license numbers, Social Security numbers and driving records. Inaccurately providing information can lead to a host of problems including a higher premium, cancellation of policy or your application being considered fraud.

Step 2

Make a list of needs. Before shopping for a free car quote insurance, you need to be aware of what your family's insurance needs are. For instance, do you need a lower or higher deductible? How much coverage do you need? How much would it cost to ensure a teenage or young adult driver? All of these factors can affect the premium that you receive.

Step 3

Access site of particular company. If you have an insurance company that you are interested in, conduct an online search to find the company's website and visit it. If it is a national insurance company, the chances are very good that you can receive a free car quote insurance online by entering your basic information. Checking out the price of the insurance company online gives you a chance to compare the different plans available to you and potentially take advantage of any special offers that may be available to online customers.

Step 4

Access site of independent insurance broker. Independent brokers offer free car quote insurance for more than just one insurance company. By entering your information, you can often obtain premium rates for several insurance companies at once. Using a insurance broker that focuses on national insurance companies as opposed to local, small-town companies could potentially save you money.

Step 5

Call a local or national insurance company and ask for a free car quote insurance over the phone. Many insurance companies over free quotes over the phone. You will need to provide the customer service representative with all of the information you gathered. Depending on the representative and the length of the application, it could take up to an hour to receive your free car quote insurance. In some instances, the representative may opt to call you back with a quote.

Tips

Check out insurance companies you are interested in prior to purchasing insurance. Agencies such as the Better Business Bureau offer consumers the ability to check out businesses prior to conducting business with them. Doing so can help reduce the risk of an insurance company being a scam.

Ask your friends and family about their insurance companies. Often, the companies that provide them with coverage will be happy to provide a basic free car quote insurance.

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