Shopping for insurance, car, life, health, or any other kind, is not anyone's idea of how they want to spend the day. Whether it's over the phone or in person, it takes time, a precious commodity for today's working person. With Esurance Insurance, getting a quote for insurance is as simple as a click of the mouse. Esurance Car Insurance has partnered with several companies to provide rate quotes that are competitive with the industry standard. Now instead of having to drive all over town or spend hours on the telephone, all one has to do is log on to their computer and let Esurance Insurance take care of the rest. Of course, one has to understand that the accuracy of the online quote is based entirely on the potential customer providing accurate information as well. In other words, if you are seeking an online Esurance Car Insurance quote and indicate that you do not have any motor vehicle violations, your quote will be based on that. If the insurance company requests a copy of your driving record and finds that you do actually have motor vehicle violations, one of two things will happen: you will be denied insurance based on your driving record or your actual rate will be adjusted according to the industry standard based on your driving record. Do not think that you can withhold information, and they will not check because a quote is not the actual rate, and all information will be verified before an actual policy is written.
In order to insure that you receive as accurate a quote as possible from Esurance Insurance, be certain that you provide the most accurate information available in your request for a quote. Be honest about any accidents you have had and what is on your driving record so that the quote you receive is as close as possible to the actual rate you will pay for each carrier that responds with a quote. Dishonesty is going to do nothing for you except provide you with an inaccurate quote, and there is nothing that binds a company to making good on only a "quote." Since you provided inaccurate information, there is no leverage for you to question the reason there is such a difference between the quote and the actual rate being charged. Quotes provided by Esurance Insurance are contingent on verification of information provided, so unless the potential customer provides accurate information, it is going to be impossible for an accurate quote to be issued.
It's also important for the potential customer receiving an online quote to understand that Esurance Insurance does not have all of the details that are necessary in order to provide an accurate rate quote. Insurance rates are based on a number of mitigating factors, and for some companies that includes a copy of your credit report. As unfair as that seems, some companies actually believe there is a correlation between how you pay your bills and how many insurance claims you make. Because of this erroneous statistic, some insurance companies are charging higher rates that they should be allowed, and it is their policyholders who are paying the price for these inaccurate statistical reports.