Insurance is like no other product—it’s a promise. Insurance companies need to know a fair amount about you to prepare quotes that they can stand behind. When you get your comparative quotes, choose based on coverages and price. Nobody was ever glad they over-saved on insurance by skimping on coverages they ended up needing.
Insurance provides protection for your unique situation, so the insurance companies need to know some details about you when making quotes for a fair price. When quoting with INSURANCE-MOD, you will provide some information about yourself and your vehicle(s). Separately, we will pull some public data about you and use it to fill out the information for the insurance companies we are quoting with. We will never share this information outside of preparing quotes for you!
What you need to provide:
Public data we will pull:
A lot of the information you need to get a car insurance quote is also part of the applications for home, condo and renters. You can take advantage of the opportunity to also request quotes for where you live. Bundling these policies for more savings is a big benefit.
When you submit your account to INSURANCE-MOD, we will carefully prepare a side-by-side comparison from some of the best insurance companies offering coverage to you. We are also the only company that will provide you this same comparative quoting service for your classic/collector vehicle.
The quotes are in! …now what?
Your quotes are in-hand, so now it’s time to… read. Yes, we said it! When buying insurance, the last thing you want to do is go only on price. How do insurance companies lower price? One way is by lowering coverage. The quote document will be a side-by-side comparison, where you can comb through the coverages and see where each company decided to land on the coverages that could one day become very important to you. Once you’ve done that, then you’ll know what you’re buying—and that’s always a good thing.
With insurance, the product is a promise—a promise for protection for you, your family, your assets and (of course) your car. Switching to a new insurance company or buying insurance for the first time is an important step.
Avoid lapses in coverage by requesting an effective date of insurance around a week in advance. This will give you enough time to 1) confirm with the new insurance company that the policy will become effective on that date, and then (and only then) 2) contact your current (soon to be old) insurance company to tell them to cancel your policy on the same date.
How do you switch insurance policies if you are bundling home/condo/renters and auto?
You probably just saved a bunch by bundling—congratulations! But you know what insurance companies love about you bundling your insurance? It’s that you’re less likely to switch insurance in the future. If you are paying your homeowner’s or condo owner’s policy with an escrow account through your mortgage company, you are even less likely to switch. Updating the insurance company in your escrow isn’t that hard, though, and well worth it.
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