Insurance protection is the first thing that comes to mind when planning to buy a car. The first step in your attempts here should be to gain an understanding of the difference between a quote and an estimate. An estimate is not legally binding on a service provider while a quote is something a company should stand by. The former is an evaluation you receive from different companies to make you feel interested in their products or services. The latter on the other hand is more specific offered only after a thorough evaluation of your requirements and what the company can provide. For instance, what you receive when you give just the basic details of your vehicle is an estimate. When you become more specific and state what you want to safeguard, you get a quote. Despite these differences, both the terms are always used interchangeably. Getting an accurate car insurance estimate As you know, a car owner has to take numerous factors into account when trying to get an insurance policy. The premium, deductible and the extent of protection available are just a few among them to mention. When combined with the large number of companies trying to sell the same, the matter becomes worse. Don’t give in to frustration like millions and go by the first quote you can find. Follow these guidelines and you will definitely get everything you want; low monthly payment, average deductibles and the coverage you need. 1.      Maintain the “safe driver” record This is a factor that deserves utmost importance if you are someone looking for the best deal available in the market. Insurance providers regard safe drivers as low-risk customers and are willing to offer discounts when considering their applications. Even if you have received tickets for careless driving, inform it to the company in advance. Dishonest information may lead to cancellation of your policy. Your monthly payment may be higher than that of a safe driver. But, you will definitely get the protection you need. 2.      Know what you need Before venturing onto the Internet in search of an insurance quote, evaluate your requirements. Decide what you want to protect and customize your search accordingly. Know the legal obligations in your State in this regard. The feasible option is to contact a financial adviser to help you make wise choices. If this fails to resolve your concern, approach a reliable insurance agent in your locality. 3.      Reevaluate your policy at regular intervals Make sure that you are doing a re-shopping whenever something new happens in life. Marriage, having a teenage driver and major accidents are the instances where you should reconsider your present policy. Remember, the agency that offered you the best deal may not be able to do so all the time. Even if life goes on regularly, reconsidering your coverage every now and then is a good idea. Acquiring an accuratecar insurance estimateis a daunting task. But, the effort is worth taking; you will stay safe from unwanted surprises in future. http://howmuchiscarinsurancenow.com/home-htm/ ...read more