Underwriting & FastQuote Options
Information on our FastQuote online quoting system
FastQuote
FastQuote is a rapid online quoting sytem. It is meant to give an approximate
and estimated premium based upon several assumptions. No FastQuote quote is to be
considered binding, and is only a rough indication
of what potential rates could be. Your actual rate will change based on further information.
To obtain a more accurate quote, please:
Underwriting
All insurance rates require underwriting by an insurance company. If you call or email your insurance agent,
they will be able to provide you with a more accurate quote indication. No insurance rate is considered final
until the point of sale, when all financial and loss history reports have been ordered and received from national
insurance databases. Even then, premiums may later adjust based on what information was disclosed or other
underwriting factors.
More specific information about types of FastQuote options can be seen below.
Please click here to return to the Rio Grande Insurance online FastQuote system
Auto Insurance Quote Options
FastQuote auto insurance rates are meant to indicate a rough approximation of the monthly premium
on a liability-only policy. Please
note that "Full Coverage" is not an insurance-industry term, but rather is a colloquialism created by
the general public. What our customers usually mean when they use this phrase is adding the following
optional coverages:
- Medical Payments
- Uninsured Motorist Bodily Injury & Property Damage
- Comprehensive, often with a $500 deductible
- Collision, often with a $500 deductible
- May also include:
- Roadside Assistance/Towing
- Rental Reimbursement
- Other miscellaneous coverages such as accident forgiveness and diminishing deductible
Auto Insurance Quote Underwriting
Auto insurance rates require disclosure and discovery of tickets and accidents within the past
five years, as well as Motor Vehicle Division reports on the history of all driver's licenses and
vehicle VIN numbers on your policy. Age of drivers, usage of vehicles, age of vehicles and number of
miles driven are some of the additional factors that may affect your quote & premium.
See our Frequently Asked Questions for information on various discounts that may be available.
See additional information above on how the FastQuote system works.
Please click here to return to the Rio Grande Insurance online FastQuote system
Homeowners Insurance Quote Options
FastQuote home insurance rates are meant to indicate a rough approximation of the annual premium
for the replacement cost of a dwelling of a home. The rate includes $100,000 of personal liability coverage
as well as a standard percentage for contents covered at replacement cost value. An approximate rate
adjustment is also indicated for what the annual premium impact could be if the personal liability
limit were raised to $500,000. When you call, email or fill out a form for an online quote, you may have special coverage needs that could include:
- Scheduled Personal Property
- Renters or Landlords coverage
- Water or Sewer backup
- Identity Fraud coverage
- Property rented to others liability
- Business pursuits on premises
- Other miscellaneous coverages
Homeowners Insurance Quote Underwriting
Home insurance rates require disclosure and discovery of claims and incidents in the past
as well as a financial rating for the homeowner. Age and type of home, and condition of upkeep,
among other things, will also affect your quote.
See our Frequently Asked Questions for information on various discounts that may be available.
See additional information above on how the FastQuote system works.
Please click here to return to the Rio Grande Insurance online FastQuote system
Life Insurance Quote Options
FastQuote life insurance rates are meant to indicate a rough approximation of the monthly premium
on a 30 year term, $100,000 death benefit life insurance policy. We offer many
levels of benefit as well as different types of life insurance polices, including:
- Whole life
- Life Savings Account
- "Permanent" life
Life Insurance Quote Underwriting
Life insurance underwriting procedures include consideration of your Age, Gender, Health,
whether you smoke or not and the amount of benefit desired. We are sure that we can find a plan
that will fill your needs. We represent many excellent Life Insurance Companies.
See additional information above on how the FastQuote system works.
Please click here to return to the Rio Grande Insurance online FastQuote system
Health Insurance Quote Options
FastQuote health insurance rates are meant to indicate a rough approximation of the monthly premium
on a basic benefit, $5,000 deductible health insurance policy for people living in the Albuquerque, New
Mexico metropolitan area. Indications are given for approximate increases to lower your deductible, as
well as the approximate rate for adding each additional child to your health insurance policy.
Health Insurance Quote Underwriting
Life insurance underwriting procedures include consideration of your age, gender,
which plan, deductible and "maximum out of pocket" limit that you choose.
We are appointed with several health providers and can find a health plan that fits your needs.
See additional information above on how the FastQuote system works.
Please click here to return to the Rio Grande Insurance online FastQuote system
