If you drive, you have to have insurance. However, if you have never attempted to get a quote before, you may be a little confused about the process. If so, use the following tips to get an accurate San Jose Car insurance Quote.
The more details and information that you provide to the insurance company, the more accurate the quotes you receive will be. When you try to get an insurance quote, the potential insurer will obtain your credit history, driving record, as well as other information prior to offering a final quote. It is a good idea to track down this information prior to seeking a quote to see if there is any information that may increase the rate you have to pay.
Driving Record
If you have has a speeding ticket or a moving violation in the past three to five years, it can affect your insurance premiums a substantial amount. It is important to know if you are going to be affected by these tickets. If you are unsure of when you got the ticket or violation, you can check online with California’s motor vehicle department.
Credit History
Your actual credit history may also impact the car insurance rate that you receive. While you do not have to know your exact rate, it is a good idea to know how it is rated in terms of excellent, good, fair or poor, as the insurance company is going to check.
History of Claims
The insurance company where you are obtaining a rate will also look up your past claims. Most companies only go back a period of three years to see your previous claims, however others may go back five to seven years.
Knowing the history of your claims, your credit health and any past moving violations can give you a good idea of what, if anything is going to increase the San Jose Car insurance Quote you receive. While it is important to provide as much information as you can for a quote, the company will verify everything provide. It is better to be honest and leave a space blank if you are unsure.
