How to quote an auto insurance?

Buying a car insurance has become very easy thanks to the incredible offer of insurers, as well as the options that exist on the internet. However, getting a precise quote requires a little more time and preparation than just a few clicks.
Do you want to buy, but do not know how to quote auto insurance? At Grupo Ordás we help you to know what information you need before purchasing it and what coverage you need in the policy.

Personal information

Many insurers ask for personal information to determine the price of the policy. In some cases, companies have online quotes that streamline this process.
Some data that can ask you are:
• Name and surname.
• Management, which helps the insurer determine how exposed your vehicle is to certain risks in your geographical area.
• Mail / contact telephone.
• Type, make and model of the car.
• Description of the car, to know if it is in good condition.

Information about your vehicle

In addition to a basic description, after asking for more details about your car to quote insurance. For example, they will ask if you bought it new or used, if it suffered a shock or if it has a modification in the engine. To verify the conditions of the car, a vehicle inspection is also carried out.

What information can help you?

• The make, model and year of the car.
• Identification number.
• Odometer mark.
• Security elements such as car alarms or anti-theft GPS devices.
• Safety features such as frontal and side impact airbags.
• Your driving history.
The way you use your car and your driving history are important when quoting and buying auto insurance. Think that the more you drive, the greater your chances of suffering an accident, so the price of the policy will increase. On the other hand, if you have fines and subtract points from your driver’s license, the insurance price is likely to increase.

What coverage do you need?

The coverage you choose directly affects the quote. As previously shared in the Grupo Ordás blog, an auto insurance can include:
• Protection by collision or shock.
• Civil liability for damages to property of third parties.
• Civil liability for physical damage.
• Medical insurance / protection against personal injuries.
• Coverage against risks.
Depending on the use you give your car (individual or commercial) is the coverage you need. In general, insurers recommend a broad coverage because it protects you in cases such as property damage, total theft of the car, civil liability and medical / road assistance. Take into account that it has a higher price, but, in the long term, it is better for your personal and financial.

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