What Information Do I Need for an Auto Insurance Quote?

Various surveys suggest that motorists have many misconceptions about shopping for better rates. They believe that it is too complicated and time consuming to get a few quotes and compare them to find the best deals. We have already covered how long does it take to get auto insurance? You can hardly say sparing an hour of your time to save a few hundred dollars is too long. This post will answer what information do you need to get vehicle insurance quotes?

Automobile insurers will need a few details in order to give you an accurate premium estimate. Knowing what details needed for car insurance quotes can speed the process and knowing why they are required can help you understand how are auto insurance premiums determined? These details are mainly divided in three parts. They want to know about the drivers and cars to be insured as well as your past and current insurance coverage.

Some providers or agents may ask your SSN to check your driving and credit records and give you an accurate quote. However, most insurers don’t need sensitive personal information like your social security or driver license number just to give you a quote. So, you can stop if you are asked sensitive personal info you aren’t willing to give and find another provider who doesn’t need such info. We can help you find those carriers. 

=> Information on Drivers to Be Insured: First of all, they want to know your and other drivers personal details like name and date of birth. You will also need to know about their driving history. You need to know if any driver to be insured made a claim or had a ticket in the last three years. Usually, insurers want to know about everyone who has a driving license in your household. You can also insure a driver who doesn’t live with you if he/she has regular access to your automobile.

Your premium will be negatively affected if any of those drivers have adverse records. On the other hand, they may actually reduce your premium if they are older than you and have better records. So, you may want to consider excluding a driver with bad driving record and check if it is allowed.

=> Details of Cars to Be Insured: Some quote forms can automatically find details of your auto from its vehicle registration number. In any case, you should check that those details are accurate and you don’t need to add anything else like recent modifications. You need to inform insurers of any modifications.

And you will need to answer questions like how many miles a year you drive and for what purpose you drive. Most people use their cars for pleasure and commute. Usually, pleasure use car insurance is cheaper. And you may need to pay more for your personal policy to include some business use and if you drive much longer than the national average of 12,000 miles per annum. Furthermore, there may be questions about security and safety features of your auto. Companies would want to know if you have a loan on your vehicle to determine if anyone needs to be included in the policy as an interested party.

=> Information About Past and Present Coverage: Normally, companies want to know if you have had a lapse in car insurance in recent years. A lapse is frown upon and can increase your auto insurance quote. Large numbers of insurers want to know who they are up against and that is why they ask who is your current insurer.

Then, they want to know if you made any claims in the last three years. Most companies enquire about the last three years but some companies may want to know about the last five years. They usually can find out about cancellation and non-renewal of vehicle insurance policies. Especially a cancelled policy will probably negatively affect your premium quote.

=> Other Details: There are a few more commonly asked questions on quote forms. These are your credit score, homeownership and marital status, profession and social security number. Credit score affects car insurance rates more than most people anticipate. You can read more on how to get cheap automobile insurance quotes on our homepage.

It is probably best if you prepare a few documents beforehand. Another post on this website offers answers to what documents do I need to get car insurance?

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