Getting a quote for car insurance is easy but there is a little known hidden fact about the premiums when you get the quote from your insurance agent.
Premiums are pre determined on the basis of your previous car insurance history and if it is your first car insurance policy or if it is your brand new policy, the percentage offered by the insurance companies is usually greater than a having a strong history of previous car insurance coverage.
Many will argue that the lack of car insurance history should not increase one's premiums. Regardless, among the many considerations in determining premiums are an applicant's demonstrated ability to maintain their payment schedule, their proclivity for making claims on their past policies, and their demonstrated clean driving record. A failing in any of these areas will have the effect of markedly increasing your car insurance premiums to a much higher rate than you would prefer.
Persons having previous lapsed car insurance policies, and are in need to find a new one with better quotes are generally not entertained. Even if it happens, the credit history is checked for timely payment of premiums for the previous policy, so that the new company has some points for consideration.