Many people do not like getting online auto insurance quotes. The main problem people have is that they are often given a quote, but when it comes time to buy the policy the rate is different.
The main reason for this problem is that when the quote was given it was based on general information. Usually, this occurs when the insurer does not get your driver’s license number or your car’s vehicle identification number (VIN).
Without this information, the insurer is not able to accurately judge your driving record or know the specifics about your car. Insurance rates are based on a number of risk factors. If you have these risk factors your rate will be higher.
When you enter general information into a quote form, you may not remember the exact date or nature of tickets or accidents that may be on your driving record. When this information comes up when you go to buy the policy it will increase the rate.
Another issue can be the type of vehicle you enter into the quote form. If you’re buying a car, you need to have the exact model type in order to get an accurate quote. In some cases, you need to know the engine size, number of doors and other information. If you provide the wrong information, then the rate may increase when the insurer has access to the car’s VIN.
For the most part, if you enter your driver’s license number and the vehicle’s VIN when getting online auto insurance quotes, you will get an accurate rate quote. This may be off by a few dollars, but you won’t see the significant increase that would occur if you only entered your general information.
When it comes to getting a quote, you need to be ready to answer all of the questions, so that you can get a good idea of how much you’ll need to pay for your car insurance (you can also compare auto insurance rates easily).