Getting multiple auto insurance quotes will not impact your credit score. Although most insurers do use credit as a rating factor, companies only run a soft pull on your credit — which does not impact your score. It also will not impact your premium with your current provider or future premium with a different company.
To start comparing quotes, you'll need personal information like date of birth, driver's license number and address. You should also know the driving and insurance history of all drivers on the policy, as well as the vehicle information (including the VIN) for the car(s) that will be listed.
You should buy car insurance before buying a car. Driving without insurance is often illegal and leaves you financially vulnerable in the case of an accident. Whether you are buying a car from a dealership or an individual seller, you can get a car insurance quote and purchase a policy (either online or over the phone) before driving away in your new car.
Yes. The make and model of the car you drive play a factor in your car insurance rates. The cost of your vehicle also makes a big difference; the more it costs to repair or replace your vehicle, the more you will pay to insure it.
Car insurance is great for covering repair costs after an accident, but it won’t cover the costs of general wear and tear. That means when you take your car in to get the oil changed or the tires rotated, you’re footing that bill yourself. There are a number of other things that aren’t covered by car insurance, including personal belongings that are stolen from your car and any damage that exceeds the limits of your coverage.
It depends on the situation and the specifics of your policy. Your policy may have an “omnibus clause” that covers any driver who has permission to use your vehicle (known as permissive drivers). If an insured driver who isn’t listed on your policy drives your vehicle, yours will be the primary insurance and theirs will offer secondary coverage.
Liability insurance is the portion of your insurance policy that pays for damage you cause to another driver or their property in an at-fault accident. Liability insurance is typically broken down into two parts: bodily injury liability coverage and property damage liability coverage.