A detailed proposal form allows motorists to show of their qualities in a way to say give me great rates. In the same way, if there are too many cracks in a driving history there is no hiding it. Car insurers want to know your status, job, education, homeownership, other people living with you, distance travelled, age, experience and several other personal questions. Yet, they need to know all those things to assess the exposure they would be facing should they place the applicant on cover.
It is a personal affair to arrange an automobile insurance policy because it is about motoring past, habits, possible risks surrounding where you live, work, what you do every day and who would you allow behind the steering wheel of your auto. Every individual is unique and therefore they should be given special attention to come up with a quote that fits the characteristics, experience, attitudes and activities.
For example, they would be asking who else might have access to the car keys. It is possible that your partner has own automobile and unlikely to touch them. You can point that out but you must let them know correctly as to whom else is residing in there when getting car insurance quotes. Sometimes, this may be a problem when the other person has a bad driving record or a teenager. But, you would be in much more trouble when they cause a crash one of those days.
Consider this, you are injured and your partner with bad record dropped his/her car for service. Who would take you to hospital and in which car? The person is clearly not a great driver hence the bad record. With the pressure and screaming coming from you and being in a hardly used vehicle and say it is dark and raining. What do you think the chances for an accident? This may sound an extreme story but they happen in most unfortunate circumstances. Therefore, it is best to cover the bases.
A thing like having a teenager living with you creates problems because average auto insurance rates for teenagers are higher than most other groups. However, it is better to look for specialist high risk companies to get affordable coverage rather than taking a chance by hiding the fact that a high risk driver is residing with you.
Believe it or not, it works both ways. The more information you provide the more accurate they can price a policy. This is great for someone with a clean record and not good news for a clearly dangerous driver, who wouldn’t like all the faults to be exposed.
Again they may want to confirm a few things about the car. You will need to let them know if it has ever been in an accident or salvaged. It may not necessarily be you who caused it. But it is important for them to know these details. An auto that has been damaged in the past can have unsolved mechanical problems or weaknesses that cause trouble.
Salvaged vehicles are always extra risk. First of all they were totalled once and there must be a good reason for it. Secondly, now that they are back on the road are they really safe? Previously damaged vehicles are high risk just like drivers who have had previous accidents. Companies need to include such facts in premium calculations. You may end up paying few dollars extra but you will be safer if anything happens in the future because you have not hidden them.
They would ask some details as if they are planning to steal the auto like where is it parked at night and where do you usually go with it. These are the things to assess if it is an easy target for auto theft or you are likely to get involved in fender benders by travelling in rush hour traffic everyday.
For example, if you are a bouncer in a night club you are likely to go to work well after most people return home. And you come back home in the early hours. Statistically there are more accidents in these times and they may want to be properly compensated for it. Vehicle insurers are not necessarily being nosy but they are just covering the grounds to make sure they charge the right premium. And this careful and precise approach helps everyone involved in the long run.