Question? Are online insurance quotes accurate?
Answer: Online insurance quotes are as accurate as the information you provide.
Some people purposely provide inaccurate information either because they are trying to trick the system. This never works because motor vehicle reports and CLUE reports will be ran prior to purchase.
Some people simply forget about tickets and accidents that have occurred in the past. This too will be corrected prior to purchase and your online insurance quote will be adjusted accordingly.
Finally, some people simply don’t understand the car insurance terminology and therefore answer questions incorrectly, selecting coverages that do not meet their needs.
As a licensed insurance agent, I frequently saw people over insuring vehicles that weren’t worth more than $1,000. Remember, your insurance company will only pay you up to the value of your vehicle. So, if you carry full coverage on your car insurance and get into an accident that causes $10,000 in damages, your insurance company will only pay you up to $1,000 (the value of your vehicle) minus your deductible – usually $500.
Be sure to comparison shop for car insurance to get the best rates but also be sure to enter accurate information.
