When getting an auto insurance quote, you should be prepared to answer several questions that help the insurer assess your needs, driving history, and the level of coverage required. Here’s a list of common questions you might encounter:
- Personal Information
- Full Name: The name of the primary driver(s).
- Date of Birth: To assess your age and driving experience.
- Address: Insurance premiums can vary depending on location.
- Phone Number and Email: For communication purposes.
- Vehicle Information
- Make, Model, and Year of the Vehicle: The type of car affects the premium.
- Vehicle Identification Number (VIN): To confirm details of your car.
- Odometer Reading/Mileage: How many miles you car has been driven.
- Primary Use of the Vehicle: Whether the vehicle is for commuting, business, or leisure.
- Driving History
- License Information: A valid driver’s license number is required.
- Driving Record: Information about any previous accidents or traffic violations (e.g. speeding tickets, DUIs).
- Years of Driving Experience: More experienced drivers may get lower premiums.
- Claims History: Any past insurance claims within the last few years.
- Coverage Preferences
- Types of Coverage: Whether you want liability only, comprehensive, or full coverage.
- Coverage Limits: The amount of protection you want for liability, collision, and comprehensive coverage.
- Deductible Amount: The amount you’re willing to pay out-of-pocket in case of a claim.
- Add-ons: Whether you want extras like roadside assistance, rental car coverage, or uninsured/underinsured motorist coverage.
- Other Details
- Number of Drivers: If multiple people will drive the car, their details might be needed.
- Marital Status: Some insurers offer discounts for married drivers.
- Education Level: Some insurers consider this in their pricing.
- Garage Location: Where the car is primarily stored (e.g. in a garage or on the street).
- Anti-Theft Devices: If your car has a security system, airbags, or anti-lock brakes, these may reduce premiums.
- Discounts
- Previous Insurance: Whether you’ve been continuously insured or if you’re switching from another provider.
- Safety Features: Features like airbags, anti-lock brakes, or a backup camera could qualify you for discounts.
- Low mileage: If you drive fewer miles, you may be eligible for a discount.
- Bundling: If you have multiple policies (e.g. home and auto), you might be able to bundle them for a discount.
Preparing these details ahead of time can help streamline the process and ensure you get the most accurate and personalized insurance quote.