In the past, to get an insurance quote you often had to get assistance from a broker. This would often take a while. These days you can get a quick insurance quote by simply visiting the website of an insurance company of your choice.
You will simply fill in an online form with your details and submit it to the insurance company.
The company will then request further information from you in the form of:
- Your age
- Where you live
- Your gender
- How long you have been driving
- The type of car that you drive
- Whether you own your house or if you’re renting
- Your marital status
- Your credit status
The insurance company will then quickly assess your level of risk and provide you with a quote based on this risk.
For example, if you are a young driver you may have to pay higher premiums. If you are married, you may pay lower premiums on your home insurance. Your credit status will have an effect on your insurance quote. Insurance companies base their decision on the likelihood that they will have to pay-out. If you have a good credit rating you may be perceived to be a low-risk individual, which may translate into you being quoted lower premium amounts.
The quote will then be an obligation-free quote and you won’t have to pay anything in exchange for the quote.
The process takes about 15 minutes, thanks to the convenience offered by the internet and the lack of various consultants which you have to speak to.
To ensure that you get a quick insurance quote it’s essential that you provide accurate information and that you furnish as much information as possible.
Keep in mind that the insurance company will base the amount that you are quoted on the various factors mentioned above.