Auto insurance is essential protection for all motorists. As a driver, you are not in good standing until you are covered. Before purchasing auto insurance, it is recommended to compare the offers of insurers. They provide auto insurance quotes for this, but some are quicker than others when it comes to sending them.
Get an auto insurance quote online
Obtaining auto insurance quotes is rather easy since insurers are present online. All you have to do is have an internet connection and go to this site, for example, to request your quote very quickly. The documents that will generally be requested from you on these platforms are the vehicle information records to be insured and the vehicle registration document, but you will then provide the characteristics of your car. Ensure the accuracy of all the information you provide, to have a quote that meets your needs.
Once all this is done, you can provide your contact details so that your quote can be communicated to you and you will therefore receive the details of the coverage offer online. It’s as fast as it is convenient and it is done from the comfort of your home.
Why get a quote before choosing your auto insurance?
The quote is an overview of the benefits that insurance will provide you and the cost that this will generate for you. Thanks to this document, several insurance structures will offer you relatively different coverage. If you take the time to review each offer, you will realize that there are many and sometimes subtle differences between insurers.
This is where the quote is essential, because it allows you to have several different options. It is better to have the choice between several insurers, as some offer a much better quality of coverage than others. Selecting your insurer without taking the time to study quotes would mean having you covered by default. In the event of a claim, it can be truly embarrassing if the chosen insurer is unreliable.
How are the bonus-malus calculated on a quote?
Bonuses and penalties are kinds of rewards and penalties that affect the insured. They relate to the rate of responsible claims that the driver has experienced. Normally, it is according to your driver profile that the bonus-penalty coefficient is set. When you fill in the various information to get a quote, you also provide a “car passport”. It contains all the responsible claims that you have known for at least five years. It is on this basis that your bonus-malus are determined.
If during all this time you have not experienced any accident, then the insurance calculates you a reduction bonus on the annual premium. You therefore pay less for your insurance, up to a maximum of 50% bonus. On the other hand, in the event of a recurring responsible claim, you are considered an insured at risk. Consequently, your annual premium is higher with a penalty which can increase up to 350%. For new policyholders, the bonus-penalty coefficient is 1 by default.