Preparing for Accurate Qouting

• 1). Cal your state's Department of Motor Vehicles to determine the number of points you have on your driver's license, if any at all. Write down the name of the charges you've had and the number of points for each incident. Find out the dates and reasons of any past license suspensions.
  
  
• 2). Call your current insurance agent and ask for the dates of any accidents you've had that increased your insurance cost. If you don't currently have insurance, obtain the dates of any accidents you've had and find out who was at fault.
  
  
• 3). Gather your vehicle and driving information. You'll need your vehicle identification number, your car's mileage and safety features. Determine how far you drive to work or school each week.
  
  
• 4). Review your current policy information, or decide which coverage you want to purchase. If you're currently insured, have your policy information in front of you when you submit for quotes so you can choose the proper coverage options, limits and deductibles.
  
  
• 5). Submit your driving and personal information along with the coverage you wish in order to obtain accurate quotes. If you're not insured and don't know which options to choose, discuss your options with your first quoting agent and write down the coverage options you choose. Submit the same options for proceeding quotes.
  
  

Comparisons

• 1). Check over the policy terms after you've received your quotes. Some companies offer a 12-month term, while others offer only a 6-month term. Choosing the 12-month term locks you into a policy price even if an incident occurs that would raise your policy cost; your prices won't increase until your policy renewal.
  
  
• 2). Compare features that come standard with the purchase of a policy. Some companies may offer complimentary roadside assistance or some form of accident forgiveness, meaning you won't pay more if you have an accident as long as you have a good driving history.
  
  
• 3). Check the quotes over to ensure that your deductibles are the same. Also review your bodily injury limits, property damage limits, deductibles and coverages, such as liability, comprehensive and collision for all quotes.