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Should I have to give payment information to get a quote? Do I have to pay anything? Are auto insurance quotes free?
Does An Insurance Company Need My Payment Information?
Is the insurance agent asking for your card number? Is the website refusing to give you a price until you create an account? Do they need this information? No, they don’t need any payment information. Auto insurance quotes should be completely free. In fact, you should only give payment information after you agree to a quote.
Some companies may ask for your card up front. Stay away! Either, they are planning on charging your card or they want to make it easier to give them money. Although there is nothing sinister about the latter, it makes it hard to make the right decision. It becomes easy to say “just charge it”. This may lead you to overpaying by hundreds. Do not give them your card number until after you choose them.
Do I Have To Pay Anything For An Auto Insurance Quote?
The short answer is no but it may depend on the state and agent. For example, some states allow an agent to charge a producer fee. While they can’t charge it until they write the policy, it can feel like you’re paying for the quote. Allow states allow the fee, it is not required. Generally, the agent makes money off of the commission of your premium. If they charge a fee, the fee varies by producer. I have charged anywhere from $50-$150 for a producer fee in different states. However, you can probably find a producer who won’t charge you the fee. If you want to go with an agent who charges the fee, you can ask them to lower it. No one wants to pay money for nothing.
Are Auto Insurance Quotes Free?
Yes, they should be free! Some may even give you an incentive for getting a quote. Root Insurance will give you a $50 gift card for getting a quote from them. You should check it out! Otherwise, any insurance company should give you a quote before you decide to buy their insurance. How would you know if you can afford their insurance without the price?
Adam is a license Property and Casualty Insurance Agent for over two years in 25 States. He has worked with 10 different insurances companies. His interests include marketing, insurance, sales, and personal finance.