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Car Insurance Basics
Collision Insurance
Property Damage Liability
Bodily Injury Liability
Medical Payments
Comprehensive
Uninsured Motorist
Applying for Car Insurance
Insuring a Teenage Driver
Leasing and Renting Cars
Choosing a Company
Rating the Companies
Auto Insurance Glossary
Insurance Agents
Shopping Tips
Table of Contents

How to get cheap car insurance rates and low cost car insurance quotes

Applying for Car Insurance

In order to purchase insurance for your vehicle you'll need to provide the agent with some basic information, all of which will be used to determine your rate. The newer and more expensive your car, the more moving violations and accidents you've had in the past, and the further you commute will all work to raise your premium.

The agent will need to know:

  • The make, model and year of your car.
  • The Vehicle Identification Number (VIN).
  • Safety and anti-theft features on your car.
  • How many miles per year you drive.
  • How many people will drive the car, plus age, gender, and driving records of each.
  • If you've completed a Safe Driver Course.
  • What kind of and how much liability coverage you'll need.
  • What is your desired deductible?
  • You'll also receive a discount if you insure more than one car.

    Once the agent analyzes the information he/she will be able to determine your premium.

    Go to MiniChapter 6 on how to get cheap car insurance for young drivers and low cost car insurance quotes!

    Go to Table of Contents on how to get cheap car insurance rates and low cost car insurance quotes!

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