What information do I have to fill out in order to receive a quote?Answer: Insurance rates are dependent on many factors. Therefore the more information filled out will help you to get a more accurate quote. Also, the quote request form has several mandatory fields that must be completed. These include- First and Last name, Age, Home address, City, Zip code, plus the Make, Model and Year of your vehicle.
Question: How long will it take to receive my quote?
Answer: Your quote should no more than 48 hours to complete. Complications can arise if your email address was mistyped, which may prevent the quote from being sent.
Question: How will I know when my quote has been completed?
Answer: The agent who completes the quote requests, makes an effort to contact you by phone as soon as the quote is completed, and emailed
Automobile insurance rates are determined by a number of factors:
-number of vehicles insured
-were you live
-your insurance credit score
-length of continuous insurance coverage with your current provider!
The first and typically the age bracket which has the highest automobile insurance rates is 16 to 21 years of age. The next is 21 to 25. Many insurance companies are starting a new bracket for drivers 75 and older. Young male drivers are usually charged more then females. Gender is not always a factor for ages 25 and above, but it can be for single males. Married drivers are frequently charged less than single drivers. How you use your vehicle can effect the rate. How far you drive work can be a factor, but business rates are predominantly the highest rated category. For example, realtors, traveling sales people and others who use their cars frequently in business are charged a additional premium. Some companies are giving discounted rates to professionals and select occupations. Your financial stability is now a huge factor in rates! With many insurance companies credit is a bigger factor in your rate then your driving habits. Most people are aware losses play a role in your insurance premiums but many people are shocked to find that even not at fault accidents can increase your rate or even prevent you from obtaining coverage from many insurance companies. Obviously, the amount of coverage and size of your deductibles will effect your premium. What most people do not know is that the limits you have with your current insurance company can influence the rate you pay with your future provider. In other words, if you have minimal coverage on your current insurance policy you may be charged more then someone who currently has higher limits. You may even be denied a policy from a company because of your current insurance coverage and length of time with that carrier! These are all discussions you should have with your insurance professional. If your insurance agent cannot explain how your rate is calculated find a new one.
If you have any more questions feel free to contact us.