About Online and Phone Insurance Quotes
- Auto insurance quotes are NOT applications for insurance. Online insurance quotes are estimates only, based on information you provide, information from consumer reporting agencies and other third parties and your insurance score, and are subject to change based on verification of information, including identification of the property or risk to be insured, claim and credit history, and/or information contained on other consumer reports.
- Online property insurance quotes are NOT applications for insurance. Online property insurance quotes are initial estimates only, based in part on preliminary information you provide, information from consumer reporting agencies and other third parties and your insurance score. When you complete your quote, the information you provided will be verified, we will obtain additional consumer reports, including your claim and insurance history, you will be asked additional underwriting questions and the identification of the property or risk to be insured will be verified. Premium, coverages, discounts, deductibles and eligibility are subject to change based on this information and your insurance score.
- Receipt of an online insurance quote does not guarantee that your application will be accepted should you apply for insurance. Likewise, our inability to provide you with an online insurance quote does not always mean that your application for insurance will be rejected, if you elect to submit an application.
- The questions asked in these online insurance quote requests may vary from the questions asked on an application in a particular state. Online insurance quotes are based in part on the information you provide, underwriting guidelines and models, and other applicable information. Please be as accurate as possible. It is possible based upon this information, that you may not get an online insurance quote.
Credit-Based Insurance Score, Consumer Reports and Other Reports
- As part of the underwriting and pricing process, carriers orders information about you, other household members and/or your property or vehicle(s) as applicable, from consumer reporting agencies and other third parties, where permitted by law. This may include an insurance score based upon the credit history of you or another named insured, reports that contain information about your vehicle(s), your driving, and/or the driving of other household members (for auto insurance), insurance history, and claim history, which includes claim history information about your property prior to your ownership/residence (for property insurance).
- As noted above, as allowed by law, we may ask for credit and other consumer reports from consumer reporting agencies concerning your application for insurance or any renewal of insurance. You have the right to be told the name and address of the reporting agencies that provide these reports and to see and correct your personal information. If carriers receives corrected personal information from a consumer reporting agency, carriers will re-evaluate you. Carriers may disclose this information to properly service your policy or to conduct our business.
- For auto insurance, we often get a report of accidents or convictions from your State Motor Vehicle Department or independent reporting companies. We may also check information from government agencies or independent reporting companies. This information helps us correctly rate and price your policy.
- Your final premium is subject to change based on verification of driving record, claim history and/or other consumer reports.
