how do i estimate auto insurance rates if i don't have a car?

Answer 1

you don't need to then do you

Answer 2

I am presuming that you have a driver's license but have never owned a car or that you once had a car but haven't had one for quite a while.

If you have a license and previous good driving record or no driving record, then most insurance companies will start with those factors when assessing a rate on an automobile.

Then they will look at your age - the younger you are, the more you will pay, at least to begin with. It depends on where you live as to what age you must reach before your rate starts dropping.

Then, as for any kind of car you might be buying, you should call a few insurance companies and have a couple of different kinds of vehicles in mind before asking questions. Most companies are only concerned with a few points, such as:

- the age of the vehicle; the newer the car/truck, the higher the rate
- the larger the engine, the higher the rate
- wheelbase is usually taken into consideration which will
determine the size of the vehicle and if the first two points are a factor, then so is the size of the vehicle

For instance, if you wanted to buy a 2003 SUV of any sort with a V8 engine, you will pay a lot more than if you buy a 1998 Toyota Corolla with a 4 cylinder engine. Often times, these companies also look at the mileage already on the vehicle as well. This is because if you were in an accident and the car/truck is written off, then the older the vehicle and the higher the mileage on it, the less they will pay out as a write-off.

I won't even get into things such as previous driving records because it doesn't take a degree to know that if you have been ticketed for speeding, other infractions, DUI's etc., you either can't get insurance or will pay a lot of money to be insured.

I hope this helps a little and if you call a few companies, and can think of a possible vehicle you might buy, use the same vehicle for each of their quotes - look in your local newspaper to find out what people are asking for a certain model vehicle, the year, mileage, etc. and then you won't sound like an idiot when you talk to these companies. In other words, do a little research on something you would reasonably buy before you call.

Answer 3

Just go to a website that gives insurance quotes and enter the information for the kind of car you want to get insurance on and all the other stuff, most of them will give you a quote instantly.

Answer 4

do you have a make/model of car in mind that you're planning on buying? call your insurance agent and they can help you with that. if you dont have insurance go to an insurance site like geico.com and put in your information and you can get a roundabout estimate

Answer 5

Everything pampopwheely said ,plus they want to know your credit rating .I was told by a agent ,this is to see if you can pay for your insurance on time. ,or you might be a risk

Answer 6

YOU CAN CALL THE INSURANCE COMPANY WITH THE YEAR, MAKE , AND MODEL THAT YOU ARE INTERESTED IN AND THEY WILL GIVE YOU A QUOTE BASED ON THAT.