What Documents Do I Need to Get Car Insurance?

Lately car insurers are trying hard to price risks fairly so that good drivers get rewarded deservedly and problematic applicants are made to pay more for the extra risks associated with them. So, providing all the facts helps you get the best price. You may want to rely on certain documents when getting auto insurance quotes because giving such details as accurately as possible is important. You may need to provide further information like driver license numbers of every listed driver once you decide to buy a policy.

Besides, you don’t want to waste time getting up and checking for things once you sit down to buy online or come back again when you are with an agent. Many people are put off searching for alternative quotes because they have the wrong idea about how long it takes to get a car insured. If they know it is an easy and quick process many more people would save money by comparing rates and switching if necessary.

You should have the following documents handy to provide reliable information and speed automobile insurance purchase.

  • Driver Licenses: You should have your license, as well as the licenses of any other drivers in the house and anyone who will be included handy. There will be questions about their history. So, you should know if they have had accidents or traffic tickets in the last three years.
  • Vehicle Registration Document: Have the registration ready because there will be questions about the automobile and it will help you answer them accurately. You need to tell the companies if it has a salvaged title or any modifications. You will need to enter Vehicle Registration Number as well.
  • Current Policy Declaration Page: Having it on hand will help you fill in the coverage details. If you are going to get quotations for the similar amounts you can just transfer the same particulars. However, it is always a good idea to make sure the coverage meets your latest requirements. Having the schedule ready will also help you answer questions like the renewal date, name of the current carrier and number of years with no claim.
  • Your Social Security Number: This is needed to check credit score and decide if you can qualify for discounts or face surcharges. You will need to enter this detail when buying an auto insurance policy.
  • Bank or Card Details: You will need a suitable method of payment to conclude the transaction. Depending on options and your choices, you either pay the premium in full or provide a payment method for automatic installments to be taken out.
  • Other Documents: You will need your membership card if you are getting a discount through it or similar programs. Completion certificate for a safer driver course, a mortgage document to prove you are a homeowner and odometer reading are some of the other documents you may need depending on the deals you have and proof requirements of your new insurer.

If you don’t have it already, you will need to get a quote first at which time you enter most details. They will guide you through the process to get the information they need. You will be able to answer all the questions or fill vehicle insurance proposal forms quickly once you have these documents. Companies must have correct and sufficient information to give you an accurate quote, which will become the basis of the policy contract you will enter with the insurer.

Often people don’t even need to show the real document anymore as long as they have the required information and numbers to enter online or provide to agents. Most documents are easily checkable. They will also be able to check Motor Vehicle Records through DMV and auto insurance companies have their ways of finding out more about your past coverage and accidents.