How to Get Cheap Auto Insurance Quotes Getting cheap car insurance rates is easier than you think. You will increase your chances of finding low premiums if you know what discounts you can qualify and how. An agent or online quote form will ask all the relevant questions to ensure you get the correct price for the coverage you requested. So, knowing these questions and why they are asked will help you understand policies and prices better. Below, we will discuss the questions asked when getting quotations and why. Your answers on quote forms form the basis of your coverage if you accept it. Correct and detailed information will allow insurers to offer you accurate and the best price. Most of the questions will be necessary to find out about you, your driving records, car and coverage requirements. You should fill the forms to the best of your knowledge. A) Questions about Drivers to Be Insured : Personal details, experience, driving and credit history of the vehicle owner and listed drivers are the key to possible savings or rate hikes. These particulars determine if you are going to be categorized as good or bad risk and get charged high or low accordingly. Your Age, Gender and Driving Experience Personal information helps as driving behavior is affected by age, gender and years of driving. Your driving experience and number of recent claims will be the main factors in premium calculations. But other factors play a role as well. For example female drivers may get lower rates as they are considered lower risk. Credit History of Policyholders These days your credit score is very important in many aspects. It will affect mortgage, credit and tenancy applications as well as premiums charged. Good credit history can mean higher discounts and you will miss out if you don’t look after your finances. You will need to know if your credit score is good, fair or poor. Additional Drivers Almost every car insurer will want to know about everyone in driving age and living in your household regardless of them driving the cars insured or actually included in the policy. They and any listed drivers will affect your premiums. For example, existence of a teenage driver on your policy can affect your rates a lot.
Excluded Drivers If you live with a high risk driver your rates are likely to increase. Sometimes, this increase can be substantial that you consider driver exclusion on your policy. This may be allowed depending on your state and insurer. They may need to have their own cars and insurance policies before companies will consider your request. It is important that specifically excluded drivers must not drive the insured vehicle. They will not be covered under any circumstance and the damages they cause will not be paid. As the owner of the vehicle you may personally be responsible for damages and injuries they cause as well.