Getting an auto insurance quote does not require devoting a great deal of time to a phone call or visit, but it will require supplying vital information to the insurance company. Here are the main things you should gather up before you place the call and detailed explanations of why you need these things.
The Vehicle Identification Number of Your Car
Every car has its own unique number, which is called a vehicle identification number (VIN), and you cannot get a solid quote for insurance without this if you own a car. If you own multiple cars and need quotes for all of them, you will need the VIN for each one. If you do not own a car but need auto insurance, you obviously would not need the VIN because you would not have a car. In this case, you would need a non-owner insurance policy, which is designed for people who need insurance but do not own vehicles.
Your Driver's License Number
Secondly, you will need to give the agent your driver's license number. If you do not have a valid license, you may face challenges getting coverage. The agent needs this number to find out your driving record, and the only way the agent can do this is by looking up your driver's license number.
Your Social Security Number
Agents also ask for a person's social security number when they request quotes for coverage. Your social security number will help the agent look up other things about you, including your credit score. Your credit score plays a relatively minor role in your rates, but it is still important to insurance companies. Plus, your social security number is unique for you, and a lot of things about you are tracked through this number.
The Coverage Details You Are Looking For
The other thing you will need to supply is the coverage details you are looking for. If you are not sure what amount of coverage you would like, you can talk to the agent about this. If you are switching companies, you could get this information from your previous policy. If this is a new policy or you are new to getting auto coverage, you should discuss your situation and needs with the agent to determine what types and amounts of auto coverage you should get for your new insurance policy.
To learn more about auto insurance, contact a company near you.
Share13 December 2019
I still remember the first time I had to chose an insurance policy; I was 17 years old and had just saved up enough money to afford my very first car. I was so excited to begin driving, but overwhelmed with all of the different auto insurance options. My father helped me chose a full-coverage policy that would cover the cost of my car if it were to become damaged in an accident. When I inevitably caused a small fender-bender as a new driver, my insurance company paid for my car repairs, so it sure was the best policy for me! Now that I am older and have learned a lot about home insurance and other types of insurance, I thought I would make a blog to help others who need insurance advice, like what my dad gave me. I hope I can help you make wise insurance decisions!