How Can I Get the Most Accurate Auto Insurance Comparison?

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When comparing auto insurance policies, the quoted price for the desired product is based on the information provided by the shopper. The best way for a consumer to ensure that coverage and rates are being generated as accurately as possible is to give correct details during the quoting process. Any information that is incorrect can lead to a misquote and a different premium when the policy is written.

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Common Items that Lead to Inaccurate Comparisons

There are some details, no matter how small they may seem, that can cause a significant difference in what will be charged for coverage. If a motorist has had a driver's license for over three years and has maintained a clean driving record, he or she may be entitled to a good-driver discount. So when the shopper's asked about how many years he or she has been licensed, answering anywhere under three years can result in an incorrect rate.

Similarly, when applicants are asked about their driving history, it's important to be truthful and not to omit any negative events like getting a ticket or being involved in an accident. Certain types of incidents such as a conviction for driving under the influence of drugs or alcohol can cause a substantial increase in premium, and some insurers may refuse to issue coverage altogether. If an item such as this were left off an application, the motorist could be surcharged after making the purchase, or the policy could be canceled.

An important part of getting accurate quotes during a car insurance comparison is to give all the details reputable pricing sites ask for. Many motorists feel uncomfortable giving out their driver's license and social security numbers, but this is the best way to get quotes that will be close to actual premiums. But this info isn't necessary to get a quote, and those who feel uncomfortable sharing these personal items can choose not to.

One practice that can improve the accuracy of quoted rates—and is recommended by the Massachusetts Division of Insurance—is giving a car's vehicle identification number (VIN) during the quoting process, if possible. Insurers will ask for the year, make, and model of the auto that will be covered under the policy, and providing a VIN will give a carrier the most accurate information about the vehicle. A VIN not only carries information about the year, make, and model of a car, but also can notify a company of vehicle features that can affect a premium.
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One of the most important parts of comparing auto insurance is making sure that the quotes from each provider are for the same coverage types and amounts. Basing comparisons on one level of coverage against another will not provide much assistance when looking for the cheapest premiums. In most cases, the less protection a policy offers, the cheaper it is; but minimum coverages may not be sufficient to protect all of the policyholder's assets. The consumer may find it worth paying a little extra for more coverage. Paying a little more in insurance premiums can be beneficial if it prevents a car owner from a financial strain and uncovered losses.