Comparing Car Insurance Quotes in Florida
It’s a common experience–you get an online car insurance quote, but when you provide your information to the insurance company in person, you get a radically different price. Here, we attempt to remove some of the confusion by providing you with some ways to get more accurate price quotes.
Check your driving record: A moving violation or speeding ticket within the last five years can drastically affect what you pay for car insurance, and the insurer will check your record before offering you a firm rate. Check your records to find out how long it’s been since you got a ticket; most state DMVs allow you to search your motor vehicle record online.
Check your credit: Like it or not, your credit score and history can make a difference in your rate. You don’t have to know your precise score when getting quotes, but most sites ask for your credit status–and almost all check your credit. If you aren’t aware of your credit score, get a free report from one of many online sources, or from FICO for less than $20.
Review your claim history: Any car insurer will review your history of damage or accidents before offering you credit. If you don’t remember the information, you can find it in the CLUE (Comprehensive Loss Underwriting Exchange) database, where insurers exchange claims information. The CLUE report lists claims and payout amounts within the last seven years, but insurers usually only look at the last three years. You can legally get a free copy of your CLUE report once per year.
Look for your VIN number: Before getting an insurance quote, you’ll need to get your car’s model, year and make. Give even more detail by providing your car’s VIN, which gives all of the above information plus details on engine, transmission and body style. Giving detailed info when comparison shopping can not only help you get an accurate quote, but it can help you get the best deal. Click here to know more
Whenever your circumstances change (you get married, relocate or add a car or driver to your policy), you should shop around. It’s also wise to compare Car Insurance Quotes in Florida if your credit improves, if it’s been a few years since your last ticket, or if your rate goes up due to a DUI or accident. The insurer who gave you the best deal before may not always be the best choice.