10 Things You Need for an Auto Insurance Quote

Lucy Lazarony
June 11, 2020

You’ve got the car in mind that you would like to buy or lease and now it’s time to shop for car insurance. Hope you’re not too shy because there are lots of questions to be answered before you get the car insurance quote that you are looking for. Let’s get started. Here are 10 things you need for an auto insurance quote.

1. Name and Address

The first thing you need to share with an insurance agent is the correct spelling of your name and your current address. They also will ask for your birthdate and your Social Security number.

And they may ask if you rent or own your home. Homeowners tend to drive more safely and have lower chances of getting into a collision. Because of this homeowners pay less for auto insurance. So be sure to speak up if you own your own home. It will save you some cash on your auto insurance policy, especially if you decide to bundle the two policies. Your current address also has an impact on your auto insurance rates. Some neighborhoods have higher theft rates than others and if you live in one you will pay higher auto insurance rates. On the flip side if you live in a neighborhood with a low crime rate, you’ll pay less for car insurance.

2. Your Current Job

An insurance agent is going to ask for your current job and occupation. Are you employed full-time or part-time? How long have you been working there? What is your income? They may ask for your assets too.

3. Prior Address

An insurance agent is interested in where you lived before you moved to your current address, so dig out an old bill with your old information and tell them the details of your old address.

4. Car Insurance Company Information

An insurance agent will ask about your current car insurance company. Are you happy with your policy? Are you ready for a new one? That’s for you to decide. The agent just needs to know the name of your auto insurance company. They will also ask about any lapses in policies, which will hurt your rate.

5. Vehicle Information

An insurance agent wants to know the vehicle identification number for your car (also called a VIN). What is the year and make and model of the car you are looking to insure? Do you own or do you finance the car? Or do you lease the car? All this will be discussed.

6. Your Car’s Safety Features

Does the car you drive have safety features such as airbags and anti-lock brakes? Does your car have an alarm? Safety features help to lower the cost of insurance and the more safety features you have on a car the more it lowers your auto policy.

7. Your Car’s Mileage

What is your car’s annual mileage? How often do you drive your car? Are you an occasional driver or are you someone with a long commute for your job? Low mileage drivers pay less for insurance. Be honest about your driving habits. Insurers often get odometer readings when your policy term renews. So it is something you will be asked about again.

8. Driver Information

An insurance agent will ask for your driver’s license information for you and any other drivers of your car. An agent will ask how long you’ve had your driver’s license.

9. Driving History

How many tickets, accidents or other violations have you had in the past five years? You will need to share this information with an insurance agent when shopping for an auto insurance quote.

10. Coverages and Policy Limits

These are the coverage details for the policy that you are shopping for. Not sure where to start? Using the declarations page of your current auto insurance policy is a good guide.

Now you’ve got all the information you need to get an auto insurance quote. Good luck with your insurance shopping. The insurance deal you are looking for is out there. You just have to find it.

Looking for a fast way to get more than one auto insurance quote?

Shop Smart with SmartFinancial

Happy with your one insurance quote? Don’t be. The best way to get a good deal on auto insurance is to shop around and compare quotes from several different insurance companies.

SmartFinancial makes it easy to compare free car insurance quotes instantly. Just input your zip code and you’re ready to go. Next, answer a brief questionnaire letting SmartFinancial know the kind of auto insurance coverage that you want. Do you want cheap car insurance or are you looking for more comprehensive coverage?

SmartFinancial will do a comparison of more than 200 car insurance companies so you are bound to find the insurance coverage you want at a price you can afford in no time. But don’t rush. Review the offers you have in front of you. Review them carefully and choose the best deal for the insurance coverage that you want.

With SmartFinancial, you’ll get the best car insurance quotes available. It is an easy way to compare car insurance and find the affordable insurance you are looking for.

Get a Free Auto Insurance Quote Online Now.

Related Articles

Auto Insurance Do You Need Car Insurance?

Most U.S. states require proof of insurance for drivers to operate a car. However, each state comes with its own set of rules.

Auto Insurance SR22 Insurance: Texas Laws and Requirements

SR-22 insurance policies give Texans with not-so-perfect driving records a second chance to get back on the state’s highways.

Looking for Auto Insurance?

Compare rates from dozens of companies in less than 3 minutes.