Every "quick online auto quote" ends the same way: a teaser price, then your phone ringing off the hook, then a different price once someone finally checks your actual record. We run it in reverse. You give the real information up front — VINs, license, drivers — and the price that arrives by email is the real one.
Because that's what makes no-phone-calls possible. The forty-minute phone interrogation exists to collect what the teaser quote skipped. Collect it up front, in writing, and there's nothing left to call you about. It also keeps the process honest — for us, for the carrier, and for you.
The VIN tells the carrier exactly what it's insuring — trim, safety equipment, theft history. Quotes without VINs are estimates that change later. "No VIN, no quote" is how the price we send stays the price you sign.
It verifies the actual driver being rated, which keeps every quote honest — yours included. License photos are used only for quoting.
Often yes, as long as you live and garage the vehicles in Arkansas or Minnesota. Your home address is what matters most — list your license state or country and we'll work it in writing.
No. We quote liability limits of 100/300/100 or better. State minimums leave you personally exposed in a serious accident — that's not coverage we'll put our name on.