Becoming an adult and and having your own car brings along a lot of responsibilities, but one of the biggest changes is the fact that you will now be responsible for maintaining your own auto insurance policy. Even though the law may require that you carry auto insurance, there is no need to pay more than you have to, which is why you will probably spend a lot of time getting quotes before you pick the right place.
When insurance companies give you a quote, they use the information you provide to give you a rough estimate of how much your premiums will be. To make sure the estimate is closely reflective of what you will have to pay, make sure you provide these three pieces of information.
Your Student Status
If you are still in high school or even enrolled in college, make sure you make a point to let the insurance company representative know this when you are obtaining a quote. As a high school student, you may qualify for a discount if you have good grades. If you are in college, your membership in some educational organizations may also land you a discount.
Your Accident and Incident History
Whether you were in an accident that was not your fault or if you were in an accident when you first got your driver's license, it is best to always provide your full accident and incident history as a driver. If you do not provide this information during the quoting process, the insurance company will just retrieve this information when they pull up your full record, which means you quoted premium can be much different than estimated. Further, if some insurers find that you are dishonest about your prior accidents, they will choose not to insure you at all.
Your Average Mileage Driven Daily
If you have only one vehicle, there is a pretty good chance that this vehicle is used for business, pleasure, and everything in between. During the insurance quoting process, you will likely be asked how many miles you drive the vehicle per day and what the primary purpose of the vehicle is.
Try to come up with a rough estimate of your average daily driven miles before calling to get a quote so you can be ready with this information. If you merely guess and guess too low, your insurance premium could go up later on when you have to supply your vehicle's mileage.
To learn more, contact services like Bozeman Independent Agency.