Business Quote by Damaris

“There is no ONE insurance pnacmoy that is right for everyone everyone is rated individually and all companies have different likes and dis-likes , different credit tiers, different business models, and many other factors that can vary your rate and a QUOTE is ONLY a quote until the policy is issued.Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent or broker that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. You can usually call from the dealership and the dealer may even have a local agent that he works with. Then, go test drive the car once you have decided and go by the insurance agent's office for pictures, and to finalize the application and then you will have insurance on your new purchase!An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. Most of the replies on this site say go to this on-line carrier or that on-line carrier or that 1-800 number but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!Good luck, drive RESPONSIBLY and I hope this helps!”

— Damaris