Insurance companies assume certain information about your lifestyle and driving
record during the quoting process. These assumptions are inserted into a quote engine
and used to generate a quote without using unique customer information.
The result of using these assumptions to generate quotes is an inflated rate.
Beware of the following assumptions: clean driving record, no recent
claims, good insurance credit score, driver required state filing (SR-22) and discount
for vehicle safety features.
Cost-U-Less can walk you through the quote process and answer all of your questions.
We have experience with high risk drivers, drivers with tickets, accidents, DUIs
or a suspended license on their record.
Credit History and Insurance Quotes
In an effort to provide the most accurate quote possible many insurance companies
order reports on your credit history, accident history and driving record.
In many cases the quotes are not guaranteed until these reports have been pulled.
A bad credit history could cause your rate to increase. A pre-selected Risk Assessment
Indicator means your credit history was not found which makes you a greater risk
to insure. This will also affect your rate.
When shopping for car insurance remember your credit history will affect the rate
that you pay for the policy.
Insurance Quotes and Multiple Drivers
In order to get a quote you must identify the drivers you would like to insure on
the policy. This information needs to be accurate otherwise the quote will not reflect
a true rate.
It is often assumed that all drivers live at the primary residence and all vehicles
are parked at this address. If either one of these is not true the rate will be
affected. Often companies state that the insured drivers must have varifiable driving
records. This means that if no record can be found the rate could likely increase.
Insuring Vehicles
In order to get a quote you must identify the vehicles you would like to insure
on the policy. This information needs to be accurate otherwise the quote will not
reflect a true rate.
It is often assumed that all vehicles covered are driven the same mileage during
the year. While you are getting the online quote pay close attention to the coverages
selected for each vehicle. If you need specific coverage for one vehicle it must
be noted during the quote process or the rate could be inaccurate.