Reader’s Question:

I have been in an accident and my car insurance became very expensive after that. If I get insurance quotes from other companies, will I need to report my accident?

Lucy

New Orleans, LA

When getting insurance quotes from car insurance companies, personal data have to be provided as these will be the factors that affect one’s rates. Aside from the customary procedure of giving your name, address and age, you will be asked to report any traffic ticket that you have received in the past three years. You will also need to supply the company with information regarding past insurance claims after an accident. Remember that all accidents and traffic violations need to be mentioned whether they happened in your home state or not. This is because car insurance companies believe that individuals who have a history of not a few accidents and claims may not necessarily be safe drivers thus get to be assessed with more expensive premiums.

However, the rating system of insurance providers vary, so if you will have a hard time looking for a company willing to provide you with the state-imposed car insurance coverage, then you should not stop your search as there are over 500 car insurance carriers in the state of Louisiana. To facilitate your search, obtain a complete list of insurance carriers accredited in your state from the Louisiana Insurance Department. This way, you avoid giving out valuable personal information when getting insurance quotes from illegal car insurance companies out there.