uto insurance quotes are estimates of auto insurance premiums. Quotes give you an idea of how much money you’ll pay for car insurance coverage based on required information from the insurance providers.
It’s important to compare quotes from several providers to find the most affordable one for you and the coverage you need.
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What Is a Car Insurance Quote?
Your car insurance quote is the estimated rate—or premium—you’ll have with a certain car insurance company based on the information you provide them.
Remember, your quote is just that—a quote. It’s an estimate subject to change based on complete and accurate information.
Required Information for an Insurance Quote
Generally, when calculating your car insurance quote, agents or online quoting applications will ask you questions about the following categories:
Do you own your car outright?
What is your car’s make and model?
How often do you drive your car?
Do you use your car for business?
How many cars will you insure?
Does your car have a salvage title?
How many traffic violations have you had?
How many points are on your driving record?
How many at-fault accidents have you had?
How old are you?
What’s your birth date?
What’s your gender?
What’s your Social Security number?
Do you own a home?
Are you married?
What’s your occupation?
How many drivers are in your household?
Will you exclude any drivers from your policy?
Auto insurance history:
Do you currently have car insurance?
Who is your current auto insurance provider?
When is your policy set to expire?
Remember, these are just some of the questions you can expect. Each insurance company has its own system for determining rates and therefore has its own criteria for required information.
See “Comparing Quotes” below for even more information that can help determine your car insurance quote and premium.
Comparing car insurance quotes is crucial. When shopping around for car insurance, never stick with one company; always get quotes from several companies.
No two auto insurance companies are the same, and you could miss out on some serious discounts if you only apply for a quote with one. Try comparing at least 3 car insurance quotes—more if you have time.
Remember, once you settle on a company, it’s smart to continue checking quotes periodically. Always consider life-changing events that warrant comparing new car insurance quotes.
Some situations that might merit shopping around include:
Typically, mature drivers (usually 25 and older) get lower quotes than younger drivers.
Buying a new car (or a “new-to-you” car).
Rates can change substantially if you’re moving from an urban area to a rural area, or vice-versa.
Getting married or having children.
Adding a teen driver to your policy.
Buying a new home.
Some car insurance companies offer discounts for “bundling” different types of coverage together.
Improved credit score.
Because some companies use credit scores to determine insurance premiums, a major boost in your score could get you a lower quote.
Filing insurance claims.
Sometimes, filing a claim increases your premium, which means you could shop around for a lower quote; likewise, going a long period of time without filing a claim could make you eligible for good driver rewards programs.
Getting a traffic citation or being involved in an at-fault accident.
Both situations can increase your premium and prompt you to shop around for a lower quote; similarly—as mentioned above—going a while without either of these incidents could make you eligible for discounts.
Each of these situations could increase or decrease your premiums, but don’t expect your car insurance company to automatically know about them—especially the ones that could get you a discount!
Comparing quotes after one of these life-changing events could get you a lower premium.
When Quotes Don’t Match Premiums
Be honest when applying for a car insurance quote; more often than not, insurance agents do their research and learn about determining factors such as your credit score and traffic violations. If you’re not honest, you could end up getting a much lower quote than what your final insurance rate reflects.
Not sure about your driving history? Consider ordering a motor vehicle report to make sure you’re up to speed on traffic citations, at-fault accidents, and your current driver license status.
Ask About Discounts
Always ask about any car insurance discounts that might apply to you.
As mentioned above, no two insurance companies are the same, and some will offer discounts for factors like age, location, and a great credit score, where others will not. This is just another reason why it’s important to shop around with several car insurance companies rather than settling for the first one you come across.
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Why Choose Our Car Insurance?
At Chill Insurance, we’re experts at what we do. We’re dedicated to getting you the right cover at the right price. Searching leading insurers on your behalf, we can help you find car insurance quickly and easily.
We believe that it’s important for you to know exactly what you’re getting for your money. So, to help you understand what you’re signing up for, we give you facts in a transparent and easy-to-understand format.
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Compare Different Insurers
When it comes to car cover, we appreciate that a “one size fits all” approach simply won’t cut it. That’s why we compare quotes from a number of leading insurance companies that offer a wide range of different policy benefits.
From windscreen protection and key replacement, to breakdown assistance and protected or ‘step back’ no claims bonus discount, we offer policies that include a number of useful features. So, regardless of your individual needs and requirements, we can help you find a policy that’s perfect for you.
Comparing quotes is quick and easy. Simply enter your vehicle details into our quote form and we’ll take it from there.
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Third Party and Comprehensive Cover
At Chill, we understand that comparing insurance policies can be tricky. With so many different types available, it can be difficult to get your head around what’s what. The good news is, we are here to lend a helping hand.
When it comes to picking your policy, you’ll have three options to choose from — and it’s important that you select the right one for you. Third party cover provides a basic level of insurance which includes cover for damage to other people and their property but not your own. Third party fire and theft cover provides compensation for damage you cause to others and allows you to claim for loss or damage caused by fire or theft. Fully Comprehensive cover is the most complete policy we offer and it provides you with cover for damage, fire and theft, as well as any damage to a third party in the event of an accident.
We can also help you work out the finer details of your cover, such as your policy excess. This is the amount you would have to pay should you need to make a claim.
Got a question? We have the answer. Don’t hesitate to give us a call, or take a look at our FAQs section.
Due to EU regulation changes in recent years, it is now illegal for insurance companies to charge different prices for women and men. At Chill, we recognise that everyone’s needs are different, regardless of whether they are male or female. With this in mind, our team make it their mission to find insurance policies that meet your specific requirements. We aim to provide you with clear, concise information in a way that you’ll understand.
For more details, click the Read More tab below.
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Getting You On The Road
We know how important it is to stay safe behind the wheel — especially if you’re a new driver becoming familiar with the roads. To give you added peace of mind while you’re out and about, we offer great value car insurance for young drivers. So if you’re aged 18 to 25 and you’ve just passed your test, or you hold a provisional licence, we’re here to help. We can set you up with instant cover over the phone, offering you an easy payment plan to get you out on the road as soon as possible.
Click Get A Quote to compare our insurers and find affordable car cover.
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Car Insurance Policy Documents From Chill insurance
Your Insurance Documents
We hope you’ll never need to, but if you need to make a claim, we’re here for you. Whether you need to review your policy documents or you’re looking for a claim form, we have everything you’re searching for.
Simply click the tab below for a list of policy booklets and useful contact information for the insurers we use.
Your No Claims Bonus
Your No Claims Bonus is an important part of your car insurance policy and a factor considered when you’re quoted a premium. The more years you’ve driven ‘claims free’, the more your no claims discount increases.
Did you know you can either partially or fully protect your discount by adding ‘Step Back’ Bonus or Full No Claims Bonus Protection to your policy? Have you considered protecting the discount you’ve built up over the years? At Chill Insurance, we can provide quotes which include these discount protections.