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Are you in the market for new car insurance and want to get the cheapest rates possible? Do you feel like you are paying just too much for your current coverage and want to try and save some money by lowering your premium? Thanks to the internet, all you need to do is apply for car insurance online and compare carriers side by side rates. Then you can select which company has the best deal for the coverage you need.
With Goodtogoinsurance, the quote is entirely free, and there is never any obligation to buy a policy. Once you apply, you will be matched with up to 10 company’s cheapest rates. It can save you hours of time and avoids the hassle of calling each company separately.
Most people today prefer to use their smartphones online, and this includes applying for auto insurance quotes. At GoodToGo Insurance, you can fill out a quote request using your smartphone in about four to five minutes. You can also call an agent if you ever have any questions or want a quote over the phone.
Before you apply for auto insurance quotes online, you will need to be prepared and understand what is required. You will be asked some simple questions about your vehicle, home address, driving record, credit rating, and income. Most of the websites online will ask the same set of questions. Once you get the appropriate information, you can speed up the process and get multiple quotes in just a few short minutes.
Here are the most common questions that you will be asked.
One of the most important criteria used to determine premium costs is the area you live in. The more urban an area, the higher the rates are going to be. The reasoning for this is based on massive amounts of data that track car accidents and thefts in a given area. Each zip code has different rates based on the info insurers collect.
The more collisions and stolen vehicles in a specific zip code, the higher the rates will be. On the other hand, if you live in a rural area out in the country, you can, in most cases, get cheaper rates than those drivers who live in the city. Mainly, it’s because you are less likely to get into a crash or have your car robbed in a sparsely populated area.
One of the first and most important questions you will be asked is what kind of automobile you drive. You will need the year, make, model, and body type – 4 or 2 doors of your vehicle. In most cases, the vehicle identification number or the VIN is required.
Other questions will likely include the safety features installed on your vehicle, including dual airbags and anti-lock brakes. Make sure you answer each question accurately so you can get a precise auto insurance quote.
How many miles you drive annually will partially determine the rates you pay for coverage. The more you drive, the more you will be charged. The best premiums are given to motorists who drive less than 1,000 miles per month.
You may also be asked if the use of the auto will be for personal or commercial use. This is important because if you use it commercially, like for pizza delivery or ridesharing service, you will be paying more for insurance coverage.
One of the essential things you will be asked for when applying for online car insurance quotes is the deductible amount. This amount can vary a lot and coincides with the premiums charged.
The deductible is simply the amount you pay before your insurer kicks in and covers the other costs up and to your policy limits. If you raise your deductible to a high amount, let’s say $1,000, your premiums will go down quite a bit. A high deductible can save you 20% or more. Having a higher deductible can make it possible for those on a tight budget to afford better coverage, like collision and comprehensive coverage.
On the other hand, if you elect for a smaller deductible of $500 or even lower, your rates will be higher. The only benefit is, if you file a claim, there is less upfront payment on your end. A lower deductible can help those motorists with very little savings if they get into an accident and file a claim.
Insurers will look at your driving history and DMV record to assess your risk to the insurer. If you have severe infractions like a DUI or multiple reckless driving citations, you might not be able to get covered by many companies. Many insurers will not insure drivers who have a past DUI.
If you have a clean record with no accidents and tickets, you should get some great car insurance deals. Get started with your free online quote by entering your zip code.
When you fill out an auto insurance quote, you will be asked if you are currently insured and who the insurer is. If you are uninsured, you may be questioned about how long you have gone without automobile coverage. Going without coverage can cause your rates to spike 10% or more.
The best place to start your journey to a better auto insurance policy is online. Once you have gathered all the required information, you are ready to apply for car insurance online and compare several quotes.
Make sure you apply for multiple company quotes, so you have a large sample to choose from. You can get up to 10 comparison quotations at sites like Good to Go auto insurance in about 5 minutes. You can even get help in finding discounts that can save you hundreds more. Apply now and get cheaper auto insurance coverage.