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Ruben Said:

I had small car accident & we decided to not go through insurance but the quote was outragious. ?

We Answered:

That's why the decision to not go through insurance was the wrong one. Call your insurance agency and have your friend do the same. Your respective agencies will tell you what your rights are.

You failed to mention your location, what the quote was for, and whose fault the accident was. All would have been helpful in a more specific answer.

Heather Said:

I got a car insurance quote from State Farm that?

We Answered:

I would go with State Farm. But I am biased because I work there.

Ask for as many discounts as you can like, multi-car, multi-line, good driver, if your young for a new driver then ask for driver safety, and any other they offer. Ask how you can get them.

And, if those cut rate companies offer low payments do they ask for a broker fee or a higher down payment? Sometimes you do get what you pay for. But remember, there is good and bad in every company but overall they are much better.

And, if you rent cars a lot then ask the agent to add UNOC. Unlimited Non-Owned Car coverage. Some are not familar with it but otherwise your coverage only carries over to a rental car for 21 days at one time.

Bob Said:

Auto insurance quote with unreported accidents? What will happen?

We Answered:

This is essentially fraud. Your friend would be well advised to inform the insurance company as soon as possible. Your insurance premium may be cheaper, but you are pretty much paying them for no cover in return, as if you make a claim and they check your driving history (which I wouldn't be surprised if they did) you will receive no payment from them whatsoever.