Insurance Quote Assumptions

Many insurance companies assume certain information about your lifestyle and driving record during the quoting process. These assumptions are inserted into a quote engine and used to generate a quote without using unique customer information.

These assumptions used to generate your quote can often result in an inflated rate. Beware of the following assumptions: clean driving record, no recent claims, good insurance credit score, driver required state filing (SR-22) and/or discount for vehicle safety features.

Cost-U-Less can walk you through the quote process, answer all of your auto insurance questions and generate a customized quote for you. We have experience with high-risk drivers, drivers with tickets, accidents, DUIs or a suspended license on their record.

In an effort to provide the most accurate quote possible, many insurance companies order reports on your credit history, accident history and driving record. In many cases, the quotes are not guaranteed until these reports have been pulled. A bad credit history could cause your rate to increase. A pre-selected Risk Assessment Indicator means your credit history was not found, which makes you a greater risk to insure. This will also affect your rate. When shopping for car insurance, keep in mind that your credit history will affect the rate that you pay for the policy.

In order to get a quote, you must identify the drivers you would like to insure on the policy. This information needs to be accurate otherwise the quote will not reflect a true rate.

It is often assumed that all drivers live at the primary residence and all vehicles are parked at this address. If either one of these is not true, your rate will be affected. Often, companies state that the insured drivers must have verifiable driving records. This means that if no record can be found the rate could likely increase.

In order to get a quote you must also identify the vehicles you would like to insure on the policy. This information needs to be accurate otherwise the quote will not reflect a true rate.

It is often assumed that all vehicles covered are driven the same mileage during the year. While you are getting the online quote pay close attention to the coverages selected for each vehicle. If you need specific coverage for one vehicle it must be noted during the quote process or the rate could be inaccurate.

Insurance Terms and Definitions

How do I get insurance?: Becoming insured by one of the experts at Cost-U-Less Insurance is easy! We sell customizable insurance at our local offices, online at www.costulessdirect.com and over the phone at 800-538-3213