Free Car Insurance Quotes: The Process

Although you probably know what a free car insurance quote is all about, there is a good chance that you do not know the process of obtaining one of these. But even if you do not know everything about car insurance quotes, you should still be able to benefit. After all, this industry is doing whatever it can to cater to the consumers.

To obtain a free car insurance quote you must first start out by finding a site that offers this service. There are two options. You can go to each insurance company's website and fill out their quote form, or you can find an online broker that works with a number of insurers. Both ways have their advantages, and when it comes down to it, you can do whichever you think is best.

The next step is to provide accurate information on yourself as well as what you are looking for. If you mess up even one detail you may find an inaccurate quote in your hand. In turn, this could lead to a huge shock down the line when you are told that you cannot get the price of the original quote.

From there, you will want to make sure that you compare at least three free car insurance quotes. Getting one quote is a great place to start, but this is not where you should finish. Even if your first free car insurance quote looks great, you never know what the competition is going to do for you; that is until you get quotes from them as well.

In the end, your final step is to purchase a policy from the free car insurance quotes that you have received. This may be the most difficult decision that you are faced with; especially if there are a couple of policies that you like.

The process of obtaining free car insurance quotes is not as hard as you may think.

MAKE LOAN PROCESS BECOME EASY

Documents Needed to Obtain VA Home Loan

The most important thing to understand is that the loan approval process is 100% dependant on documentation. To insure a smooth transaction, it is imperative that you have all of your documents gathered prior to you initial loan application. Following is a list of all the documents you will need. Please feel free print this screen and use this as a checklist.

Employment Information

• Most recent two years complete tax returns with all schedules.
• Most recent two years W-2's, 1099's, etc.
• Most recent pay stubs covering one month period.
• If Applicable: Self-Employed will need Three years Tax Returns and YTD Profit & Loss Statement.

Savings Information

• Most recent three months complete bank statements for any and all accounts with all pages.
• Most recent statement from retirement, 401k, mutual funds, money market, stocks, etc.

Credit Information

• Most recent statements from your bills, indicating minimum payments and account numbers.
• Name, Address, and Phone number of your landlord, or 12 months cancelled rent checks.
• If Applicable: Should you have no credit. Copies or your most recent utility bills will be needed.
• If Applicable: Copy of complete Bankruptcy and Discharge Papers.
• If Applicable: If you co-signed for a mortgage, car, credit card, etc, need 12 months cancelled checks. front and rear, indicating you are not making payments.

Personal Information

• Copy of Drivers License.
• Copy of Social Security Card.
• If Applicable: Copy of complete Divorce, Palimony, Alimony Papers.
• If Applicable: Copy of Green Card or Work Permit.
• If Applicable: If you own another home(s) - see below

If a Refinance or you own Rental Property

• Copy of Note & Deed from current loan.
• Copy of Property Tax Bill.
• Copy of Hazard (homeowners) Insurance Policy.
• Copy of Payment Coupon for current Mortgage.
• If Applicable: If property is multi-unit, need Rental Agreements.

Additional documents may be needed upon review of your file and on a case-by-case scenario. Once you have applied for your mortgage and the lender has received your documents, additional documents may be requested.

What is Federal Consodilation Loan?

A Federal Consolidate Loan is a loan that repays all your outstanding eligible federal student loan and replaces tha multiple payments you may be maing each month with a singlr student loan payments.This loan is not to be confused with private consolidation loans which may consolidate other types of debt (credit cards,private loans,rtc,.)in addition to student loans, but do not have the same benifits as a federal consolidation loan.



How do i apply for a Federal Consolidation Loan?

• STEP 1: Obtain all of your student loan information: loan tyoe,current balance,lender's name and address,account number,and the current interest rate.


• STEP 2: Gather all of your personal information (address,home telephone number. Social ecurity number, e-mail address, driver's license number, date of birth and two references) and employer information (name, address and telephone number).


• STEP 3: Select a lender you would like to work with. Here's a tip: if one of your current lender offers consodilation loans, you may want to consider working with them since they already have your loan information on file.


• STEP 4: Make sure your total loan balance meets the lender's minimum requirement to obtain a consodilation loan.Some lenders requires a minimum of $7,500 to consodilate; some requires $15,000.These amounts will vary from lender to lender.


• STEP 5: Complete a consolidation loan application,The application process may include the ability to complete an on-line application, downlaod and print application or request a paper application by telephone or e-mail. Some lenders will allow you to complete an application over the telephone. Make sure you have all of the information in steps one and two ready before you make calls.


• STEP 6: Choose a repayment plan.The lenders will offer you several repayments options.Review and pick the one that best suits your financial situtation.


• STEP 7: Read and sign the promissory note.Some lenders may offers you the option of signing electronicaly; pthers may only yake a signed paper promissory note.Either way,you accept the loan with your signature.


• STEP 8: Maintain your payment schedule with your current lender.Funding fot the consolidation loan can take six to ten weeks to process depending upon the lender; it is the important to keep maing payments to your current lender if you are in repayment status.


• STEP 9: Review the laon disclosure statement.After your loan is disbursed, a disclosure statment will be sent to you. It will contain detailed information regarding your new consolidation loan. Review it to make sure all loan information is correct and keep it in your files.