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Insuring Your Home

When we started thinking about buying a home, I realized that we had a boatload of work to do. I knew that we needed to save up a down payment, talk with a mortgage broker, and most importantly--figure out what we were doing about homeowners insurance. Fortunately, a friend of mine told me about a great insurance broker in our area who handled that kind of thing. We met with her to talk about our options, and before we knew it, we had found a policy that really melded with our budget and lifestyle. This blog is all about insuring your home.



3 Important Things To Know About Getting An Auto Insurance Quote

If you want to find a new insurance carrier or buy a new vehicle, you will need to shop around and get insurance quotes. When it comes to getting insurance quotes, there are a few things you are going to want to understand about the process.

Thing #1: Honesty Is Essential

When it comes to getting an insurance quote, it is up to you to provide the insurance company with the information they ask for. It is essential to be honest with this information.

If they ask if you have been in an accident in the past five years and you were in an accident two years ago but you leave off this information, this is going to ultimately hurt you. You may get a lower quote, but when it comes to the actual policy, when the insurance company will dig deeper into your history, your premium will probably be higher when they find this information.

By providing accurate and honest information, you will get the more accurate quotes that will help you make the best choice when it comes to which insurance company to go with.

Thing #2: Get Your Information Together

You can call an insurance company to get a quote, or you can use an online form. Either way, they are going to have the information they want from you. Having this information together will help you go through the quote process at a quicker rate.

You will need to have the necessary information together, such as your name, address, date of birth, marital status, how long you've lived at your home, and if you own or rent the home. You will need to provide vehicle information such as make, model, and year, as well as the VIN for each vehicle you want coverage. You need to know the year you purchased the vehicle and if you own, lease, or finance the vehicle.

You are also going to be asked to provide your driver's license. You may be asked about tickets and accidents going back anywhere from five to ten years.

Having all of those details together will make the quote process go quicker.

Thing #3: Be Consistent with Coverage

When you get an auto insurance quote, you will be asked what type of coverage you want your vehicle to have. You can change your mind later, but knowing what type of insurance and the coverage amount for each type of insurance will help you get a more accurate quote. More importantly, you will want to ask for the same level of coverage from each company you call for a quote to be able to compare the quotes side by side more easily.

When it comes to getting an auto insurance quote, it is essential to be honest and not leave out information to get the most accurate quote possible. When getting multiple quotes, be sure you are comparing the same level of coverage. Finally, get all your information together to make the quote process easier.