When you request a home or auto insurance quote, it may seem like a simple transaction. But behind the scenes, a lot goes into delivering a quote that’s actually accurate and customized for you.
Here’s what you should know about the insurance quoting process—especially if you’re working with an independent agency.
Step 1: We Gather Detailed Information
The quoting process starts with information—lots of it.
To get accurate pricing and coverage, we need:
– Your current policy details (if applicable)
– Coverage limits and deductibles
– Property or vehicle info
– Risk preferences and budget
The more details you provide, the better we can match you to the right markets.
Step 2: We Collaborate as a Team
At Connor Insurance, quoting isn’t a one-person job.
We:
– Discuss internally which carriers and coverages make the most sense
– Compare pricing and value based on your current premiums
– Eliminate poor fits early so you don’t waste time
Step 3: We Test Multiple Markets
We might not submit to every carrier, but we do consider many things:
– What reports are pulled (credit, loss history, MVRs)
– How pricing compares
– Whether coverage eligibility is affected
This allows us to identify the most competitive and complete options.
Step 4: We Underwrite and Fine-Tune
We don’t just pick the cheapest rate.
We:
– Quote coverage first, then look at cost
– Review property valuations and adjust if needed
– Recommend the right liability protection for your situation
Step 5: We Present and Discuss Your Options
You’ll never get a spreadsheet dumped in your inbox without explanation.
We love to answer questions like:
– Why a certain policy is the best fit
– What risks we’re protecting against
– How your coverage aligns with your goals and financial comfort
The Value of Independent Agencies
Independent agents like Connor Insurance aren’t tied to one company. We have options, do the analysis, and try to guide you through every step.
