Do I have to get a policy to get a quote?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 27, 2017

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Insurance Question from Richmond, VA

Asked on 03/27/2017

Do I have to get a policy to get a quote? My husband is trying to put me and a car on his car insurance. the lady from state farm says she'd need to actually sign me up for the insurance to give us a quote. and if we choose not to use their services, we'd have to purchase other insurance from another company BEFOREHAND in order to cancel the policy,being that we'd actually have to purchase state farm's in order to see if it's the most affordable for us

Answer given on March 28, 2017

Requiring a policy be issued before agreeing to quote your insurance is not something I have ever heard of. The person you spoke to at State Farm may not have known what they were talking about. You should try to contact another State Farm agent in your area to see if they say the same thing. If so, I recommend you contact a different insurance company for a quote.Most insurance companies have online options of obtaining a quote without requiring that the policy be issued since you may not be satisfied with the quote offered. To then require proof of another policy is also unlikely. Unless this is a requirement by the state you live in, you should be able to easily obtain a quote without any commitment. You can contact the Dept of Insurance in your state to see if there is such a requirement.

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