With more drivers on the road today, it’s essential to have reliable auto insurance coverage. What do you need to provide in order to get an auto insurance quote? There are many factors that go into rating your auto insurance. When insurance companies consider offering you a quote, they will typically look at:
- Your annual mileage (how many miles you travel in the car each year)
- What violations you have on your driving record
- The auto insurance coverage limits you are requesting
- Your age
- Your marital status
- The type of vehicle you are insuring
You may wonder why things such as your age or marital status matter when it comes to buying auto insurance. All of the factors listed above and additional factors are considered when the insurance company offers you a quote. By look at these factors, the insurance company can rate you and your vehicle based on the likelihood of you filing a claim. For example, people under the age of 25 are typically charged a higher rate because they have less driving experience and are more likely to get into an accident compared to someone with more driving experience. Consider your driving record and if you have any violations. To an insurance company, a driver who has had multiple violations on their record are more likely to have more in the future, making it riskier for the insurance company to insure that driver.
Insurance companies also look at these factors to see if there are opportunities for discounts. For example, if you are driving a newer vehicle, that car most likely has many safety features that would help minimize damage and expenses in a potential accident. The insurance company will likely give some sort of discount or give you a lower rate because of these safety features. The insurance company will also want to know your line of work, not only to look for business risks but also to look for potential employment or professional discounts.
To save you time and trouble trying to make sure you’re getting the best rates on your auto insurance, just contact Bill Brian Insurance Agency in Indio. We will take the hassle out of getting quotes from multiple companies and we will help you choose the right policy for your needs. Just give us a call at 760-342-0262 or click the Get a Quote button below to request a quote online.