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Need A Car Insurance Quote? Important Information To Gather Before You Make The Call

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There are lots of reasons why you may need a car insurance quote. Maybe you've just received a letter in the mail telling you your current insurance premium is set for a rate increase in a couple of months. Or, you might be in the market for a new vehicle and want to know how much you can expect to pay for coverage. Whatever the reason, you want to ensure the quote you receive is accurate so you can plan accordingly. Before you make the call or go online to get an insurance quote, round up the following information so you'll be ready to go.

VIN Is A Must

Setting out to get a quote with just the year, make and model of the vehicle you want to insure may not be enough. Each vehicle tends to have separate editions, and the diverse features found in different model types can make a huge difference in the overall premium you'll be quoted. 

For instance, the baseline model of the vehicle you want may not have the same anti-lock brakes, rear-backing camera, and all-wheel drive as one of the premium versions. Without the actual vehicle identification number (VIN) of the specific car you own or plan to buy, you could be in for a shock when you actually come forward with the VIN and realize the rate is much more expensive than you thought it would be!

Grab the VIN before getting the quote so it will be closer to the real deal. You can find the VIN etched in small numbers at the bottom of the driver's side windshield, on your purchase agreement or on the website of the dealership where you'll be picking up the car.

Know The Mileage

The representative who is giving you the quote will usually also ask you to provide the mileage of the vehicle in question. This tidbit matters because if the car has a lot of miles, the insurance company may consider it to be riskier because of the increased chances of you filing a claim.

Get the mileage information and try to relay a number that is exact as possible. This should save you from unpleasant surprises when it's time to bind the actual policy.

The figure you receive for your car insurance quote is going to play a big role in determining which insurer you decide to go with. Make it count by having this information at the very beginning so your quote is as definite and detailed as possible.

To learn more, get an insurance quote.