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Why is my final car insurance rate different from the rate I was initially quoted?
I got a really low quote from Allstate that I was happy with. But when they gave me the final price for the auto policy, it was significantly higher than the quoted price. What's going on here?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It can be disappointing to get a low quote for
car insurance
, only to have the price increase once you agree to the purchase. Don’t worry, there are ways to gain a little more control over the quote process. First, make sure all the information you provide to the insurance carrier is accurate. If you have accidents and tickets on your record, let them know ahead of time.
Most of the time, the rate changes after undisclosed driving activity is found on the motor vehicle record (MVR) or Comprehensive Loss Underwriting Exchange (CLUE) report.
Also, make sure the coverages you need are included in the policy.
If you have a lease or loan on your vehicle, you will typically need
comprehensive coverage
and collision coverage
. If your quote is for liability coverage
only, you will see a rate increase once comprehensive and collision coverage are added. Sometimes, price increases can be attributed to a lower credit score or a rate adjustment that wasn’t initially accounted for. But as long as the original information is accurate, the rate fluctuation should be minimal. “
View full answer
- Gregory R.
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