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Diposting oleh RDJ on 14 Agustus, 2010

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Get Accurate Car Insurance Estimate

July 21st, 2010

Are you looking to get a car insurance policy? If this is your first foray in the hunt for a car insurance policy, you have to be prepared to pay a higher rate than what others are paying. This premium is due to the fact that you are considered as a high risk driver by the car insurance company. However, you should not worry too much, as the rates will gradually go down in a few years after you prove yourself.

Being an excellent driver with a good driving history won’t guarantee that you will get better rates, as they will also look at your credit history. If you have bad credit, you may still end up paying for higher rates. Though it hasn’t always been the case, more and more insurance companies are taking a closer look at credit history before giving out their car insurance estimate. This is a reality that we have to deal with and something that we have to accept.

There are many reasons why insurance companies are getting picky – the economic downturn being one of them. Hence, there will be more questions that you have to answers when applying for the car insurance policy. The company will want to understand what kind of driver you are, so that they could determine your risk factor. High or low risk factor, again, it will depend on your driving and credit history.

Whether you are taking the traditional route of calling the insurance company one by one or going on the Internet directly to get the quotes, there are many standard questions that you have to answer. Make sure you give only valid and correct information about yourself, so the company can give the right car insurance estimate. There is no point in lying, because the data will be double-checked in the system. If the answers do not correspond, it’d put you in an even tougher spot. So always be honest and upfront in answering the questions.

Some of the typical questions that you will need to answer include your name, birth date, driver’s license and social security number, and your driving history – whether or not you have been involved in a car accident and how many speeding tickets you have accumulated. Again, don’t bother lying as sooner or later they will find out. They will not dig too deep into your history though and only want to know what happened in the last three years.

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