To receive an auto insurance quote, you will need to submit a lot of information to an insurance company, and you can do this online or over the phone. The purpose of this information is to give the insurance company a good idea about the risk level if they insure you. If you have never done this before, here are some of the things the insurance company will need to know and why they want to know these things.
Your personal information
The first category of information the insurance agency will ask you about is personal information, including your name, age, gender, and address. They will also ask you about your marital status, highest level of education, and your current job situation. The purpose of asking these questions is to determine your risk level.
They will use this information to look up your driving history. Your driving history is important to insurance companies, as it also helps them determine your level of risk. If, for example, you have no accidents, claims, or traffic violations on your driving history, you are likely to pay lower rates for your insurance, because you are less of a risk to the insurance company.
Your car information
Next, the agency will ask questions about the car you own and will be driving. They will want to know the make, model, and year, and you will have to give them the VIN number of the car. They will also want to know if you have a loan on the car. This information will help the agent determine the value of your car, which will help him or her know how much insurance coverage and what types of auto insurance services you need.
Other things they may need to know
Most insurance companies will ask a lot of other questions, too, and the purpose of this is to find out if you qualify for other types of discounts. For example, if you are a college student, they may ask about your grades. If you work from home, they may ask how many miles you put on your car, as you might qualify for a low-mileage discount. There are a lot of different questions you might have to answer when you request a quote, and these questions are necessary to find out your risk level and discount eligibility.
If you would like to get an insurance quote for your car, gather up all this information listed here and contact an insurance company of your choice.