Most insurance companies consider your insurance score (a form of credit score) as part of their quoting and underwriting process. We do not run MVRs and CLUE reports until you call to bind coverage, so the quotes are only as accurate as the information you provide. We are happy to provide firm quotes over the phone at any time with no obligation to buy. Please note that while we have access to dozens of different carriers, not all of them take part in our programs. The insurance companies have final say in terms of price, coverage, claims, underwriting and renewing/non-renewing of policies even after a policy has been submitted. The quotes we provide may not be the cheapest policy in the marketplace. There are no hidden fees for our service. We are compensated to sell and service policies based on commissions from the companies and other means that may include additional incentives and profit sharing. The best policy for you may not always be the cheapest policy, and you should always consider coverage when making a buying decision.