Posts made in February 2018

How to Prepare to Get an Insurance Quote, Part 2

When you are researching insurance costs and quotes it may seem as if the agent is asking for a lot of inconsequential information just to give you an insurance quote. Keep in mind, however, it’s for your benefit. The more the agent knows upfront, the more precise his or her premium estimate will be. A good, reputable agent is in the business of helping you choose the policy that best suits your needs. The following kinds of insurance require a certain amount of routine information, as listed below:


Car Insurance

  • Personal information which may include dates of birth, Social Security numbers and driver’s license numbers for anyone who is on the policy.
  • Driving history, which covers a list of past tickets or vehicle accidents incurred by anyone who is on the policy.
  • You may also be asked about your income and assets and this information factors into the amount of liability coverage you choose.

Homeowners Insurance

  • Renovations and repairs.
  • How old is the roof?
  • The condition of the plumbing, appliances like the water heater, general structure.
  • Current condition and amenities.

Life Insurance

  • Health history.
  • Do you have any chronic conditions?
  • List major surgeries or accidents in the past five to 10 years.
  • Current health.
  • Purpose of insurance: Paying off mortgage, replacing your income, paying for college.

Work with a knowledgeable and personable agent at the Eugene C. Yates Insurance Agency when you are shopping for insurance quotes in Lodi, CA, and the surrounding areas.


How to Prepare to Get an Insurance Quote, Part 1


When you ask for an insurance quote, you are asking for an estimate of what your rate might be with a potential insurance carrier. Quotes may change in the future, but at first they depend on the information you provide the carrier at the time of the quote. The more information you provide, the more accurate your insurance quote will be.

The quote process begins with your giving an agent your information, whether it’s for your car, home, health, rental unit, etc. Once the agent has your information, he or she will call you back with a quote, or several variations of quotes, depending on a variety of factors. The recommendation as to the number of quotes you should get is usually 3 to 5. That can take a lot of time, so limiting your information gathering to 3 quotes is enough to give you a good deal of useful information. Some agencies prefer online quotes, but you must be prepared to provide a great amount of detailed information in order to get an accurate quote.

You might think it’s obvious to pick your insurance based on price. But you also want to consider how thoughtful, thorough, and efficient your agent was at getting your quote and explaining everything to you. With offices in Sacramento, Roseville, and Lodi, CA, Eugene C. Yates Insurance Agency is the place to call for a free quote. Whether you want quotes on your car, home, health, life or more, you can depend on Eugene C. Yates for accurate, affordable insurance quotes in Lodi, CA, plus all of the surrounding areas.