How to Get a Car Insurance Estimate Online

Getting a car insurance estimate online is an easy way to start shopping for auto insurance. Quick quotes on the web are available through every major auto insurer such as Geico and State Farm. Quotes you receive online, although not the exact price for a policy, are nonetheless an accurate estimate of the rate available to you. The process for getting a quote is easy. It only requires a few minutes of your time and will not negatively impact your credit report.

Search for Insurers

The first thing to do is run an online search for free auto insurance quotes. Every major auto insurer offers this service without any obligation on your part. You will be required to enter a few pieces of personal information such as your zip code, name, age, gender and make and model of your car, among other items. After receiving one quote, it is advisable that you obtain at least two other quotes to compare rates. It is up to you to locate the best value for car insurance.

Personal Information Entry

Aside from your basic personal information, there are a few pieces of information that are helpful to have on hand. Doing so will speed up the process of getting a free quote. This includes your driver’s license number, any accident and/or traffic violation information, the odometer reading for your vehicle and the details of your current policy. Many online quotes are set up to take personal information first, followed by vehicle and driver information. When everything is entered into their system, you receive your free quote.

No Affect on Your Credit Score

Each time your credit report is pulled by a company or agent whom you have authorized to do so, a mark is made on your report. Having this done several times can actually negatively impact your credit score. Getting free auto insurance quotes online does not affect your credit score because you are not asked to provide your social security number. That is what makes the quote process desirable. You can get a rough idea of auto insurance rates you are eligible for without the need for a credit report. The flipside of this is that when you want an exact figure, the company will have to run your report. They will need your SSN for this task.

Thus, the best way to go about getting car insurance is to collect your quotes first, pick the one offering the best rates then authorize them to generate an exact figure for a premium.

How Rates Are Affected

Among other things, the value of your car according to the Kelley Blue Book will influence your quote. The car’s value is determined by the mileage it has on it. Other factors include your date of birth. Your age will affect your quote, as younger drivers are typically considered higher risks. Gender, location and driving history are other variables that can raise or lower an auto insurance quote.

The quickest way to get a free auto insurance quote is to do it online. Provided you have all of the necessary information right in front of you, you can get a free quote in a matter of minutes and be on your way to locking down the best auto insurance price available to you.