Insurance Quotes

An insurance quote is a personalized estimate of what you might pay for a policy, based on the initial information you provide. It's a starting point for comparison. The final premium is the actual price you pay, which can be confirmed only after a formal application and underwriting review. The final amount may change if the insurer finds additional information during underwriting that affects your risk assessment.

Yes, in nearly all cases, obtaining an insurance quote is completely free. You are under no obligation to purchase a policy simply because you received a quote. The quoting process is designed to be a no-pressure information-gathering step so you can compare options from different companies.

To get a useful and accurate quote, you should be prepared to provide:

• Personal Details: Date of birth, gender, and sometimes your height/weight (for health assessment).

• Tobacco Use: Whether you are a smoker or use other tobacco/nicotine products, as this significantly impacts rates.

• Health History: Information about major pre-existing conditions (e.g., diabetes, heart disease).

• Desired Coverage: The amount (death benefit) and type of policy you want (e.g., term or permanent life).

• Policy Term: For term life insurance, the length of coverage you need (e.g., 10, 20, or 30 years).

The initial online quote is based on the general information you entered. The final premium is set after underwriting, where the insurance company verifies your details and may review your medical records, driving history (for auto insurance), or other relevant data. Common reasons for a difference include:

• Discovery of a medical condition during the paramedical exam.

• Information on your Motor Vehicle Report (for auto or home insurance).

• Results from prescription or other database checks.

To ensure you get a competitive and suitable quote:

• Compare Multiple Companies: Get quotes from at least 3-5 different insurers, as prices and underwriting standards vary.

• Provide Consistent, Accurate Information: Inaccuracies will lead to incorrect quotes and delays. Be honest and consistent across all applications.

• Ask About Discounts: Inquire about available discounts (e.g., for bundling policies, paying annually, or having a good driving record).

• Work with an Independent Agent: An independent agent or broker can shop quotes from multiple companies on your behalf, which can save time and potentially uncover better options.