What Information Do You Need To Purchase Auto Insurance?

When you decide to buy an auto insurance plan, you can go online or call an insurance agent. When you use either method, you must supply the company with some information. They need this information to calculate the premiums for your coverage. Therefore, you might need to gather a few things before you make the call. Here is a list of some of the primary things you must supply to the insurance agent when you request a quote for auto insurance.

Your Driver's License Number

The first thing they will ask for is your driver's license number, along with your name. They might ask about your age, birth date, and gender during the initial questions. The agent will input your driver's license number into their system to pull up your driving record and insurance score. They need to know if you have any tickets, accidents, claims, or points on your driver's license, as these things affect your rates. If you have none, you will likely pay lower rates for your insurance costs. If you have accidents, claims, tickets, or points, you might automatically pay higher rates due to these things.

Your Car Information

Next, they will move on to some questions about your vehicle. The main thing you must supply them with is the vehicle identification number (VIN). This is a unique number that your car has. When the insurance agent places it in their system, it will tell them details about your vehicle, including its year, make, and model. It might also tell them about safety features and ratings. If you have any add-ons, such as an alarm system, you should tell them about these things when requesting a quote. All these details can affect the price you pay for your auto insurance coverage.

Your Insurance Needs

Finally, they will ask you if you have a lien on the vehicle. If so, they will need the lienholder's name. Next, they will want to know what types of coverage and amounts of coverage you want to have. The insurance types you want to have with your plan also affect the price you pay. Paying for a liability-only policy will cost less than paying for a full-coverage plan. You can ask questions about insurance types if you are unsure about what types to get.

If you would like to learn more about auto insurance quotes or request one, contact an insurance agent today.  

Share