I just want a ballpark quote. Once we give you a quote, your expectations are that the quote is somewhat accurate otherwise the quote would be a useless tool to you. The factors that make up rates in the 21st century are so complicated that without PC’s we could never achieve accurate quotes. Driving record, years of experience, usage and type of vehicles had been enough. Today confirmed driving records, confirmed claims records, insurance scoring, and maybe even whether you are a teacher or member of AAA driving club along with your other policies insured by the quoting company and your prior company limits are taken into account.