info needed for car insurance quote image
Rebekah
A few years ago when I lived in Oregon Auto insurers could (and did) check your credit but Washington law didn't allow it- you could get car insurance without giving out your social security number. I am in Nebraska and need to know- do I have to give out my SSN to insurers?
Answer
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
Can somebody please give me the general breakdown of car insurance for teens?
tyler
I want to get a sports car. Money is not a problem I just want the details.
Answer
Breakdown and details of what? You didn't say that part. How much it will cost? Forget it. This place isn't an insurance company website, so you can't get an accurate quote here. You have to contact an insurance provider (online, on phone, whatever) and get an actual quote for that info. Then you have to contact another and then another so you can compare the prices.
You just want to know what all that stupid-sounding coverage is on the policy? I can help with that, but it won't be in great detail. Here's a breakdown of the coverage you can buy...
Liability: Covers loss or damage to other people and their property that your vehicle causes. This is the stuff you're required by law to have.
Accident Benefits: This covers your injuries, medical bills, lost income etc. if you're hurt in an accident, even if the accident was your fault. It goes by many different names depending on where you live.
Uninsured Motorist: Covers your damage if the other vehicle is at fault but has no insurance.
Collision: Covers your vehicle for at-fault accidents, hit and run damage, and the vehicle spontaneously flipping over.
Comprehensive: Covers your vehicle for 'non-accident' damage like fire, theft, lightning, falling objects, hail, and other stuff. Always look up the list of what is and isn't included.
Loss Of Use: Covers the cost of a rental if your vehicle is in the shop due to an insurance claim.
There you go, that's a very basic rundown of the very basics. You'll still need to look into things like limits, deductibles, conditions and exclusions yourself, and there are a few possible options I didn't even mention, but that's how the coverages under your policy work in layman's terms.
Breakdown and details of what? You didn't say that part. How much it will cost? Forget it. This place isn't an insurance company website, so you can't get an accurate quote here. You have to contact an insurance provider (online, on phone, whatever) and get an actual quote for that info. Then you have to contact another and then another so you can compare the prices.
You just want to know what all that stupid-sounding coverage is on the policy? I can help with that, but it won't be in great detail. Here's a breakdown of the coverage you can buy...
Liability: Covers loss or damage to other people and their property that your vehicle causes. This is the stuff you're required by law to have.
Accident Benefits: This covers your injuries, medical bills, lost income etc. if you're hurt in an accident, even if the accident was your fault. It goes by many different names depending on where you live.
Uninsured Motorist: Covers your damage if the other vehicle is at fault but has no insurance.
Collision: Covers your vehicle for at-fault accidents, hit and run damage, and the vehicle spontaneously flipping over.
Comprehensive: Covers your vehicle for 'non-accident' damage like fire, theft, lightning, falling objects, hail, and other stuff. Always look up the list of what is and isn't included.
Loss Of Use: Covers the cost of a rental if your vehicle is in the shop due to an insurance claim.
There you go, that's a very basic rundown of the very basics. You'll still need to look into things like limits, deductibles, conditions and exclusions yourself, and there are a few possible options I didn't even mention, but that's how the coverages under your policy work in layman's terms.
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