Question by dimax g:
Car Insurance quotes – when you get an on the web quote and it asks you?
how much your automobile is worth, do you quote the price you paid for it or its present price..?
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Answer by bud68
Current value.
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Add your own answer in the comments!
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about 1 year ago
Well, if you’re looking for stated value coverage, you’re ripping yourself off – because you have no idea what you’re buying.
But usually, the quote is on the cost new, the PAYOUT is on the actual cash value.
And if you don’t know the difference between them, or if you don’t know why stated amount is worse coverage than actual cash value coverage, then you need to be using an agent.
about 1 year ago
They are asking for KBB value.
If you are shopping online I would suggest Landa.
I have had a good experience with them. My father has used them for years.
Hope this helps
about 1 year ago
Unless you agree a value of the car before you take out the insurance (this involves an insurance assessor viewing your car and agreeing the value you state-normally chavved up motors or specialist marques) then they will ask you this but only pay out BOOK price or otherwise known as replacement price.
I’ve had good info about it here:
http://autoinsurance.hotusa.org
Have a nice day.