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Buying Car Insurance: Auto Information to Give to Your Agent or Company

In order to get the insurance you need, be sure to provide your agent with the information he or she needs. Your agent will want to know:

  • Make and model of the car(s) you own
  • Roughly how many miles you drive each year
  • What kind of liability coverage you will need
  • Number of people who drive the cars
  • Age of the drivers
  • Where you live
  • Driving records of each household member

The agent will then ask more detailed questions about your cars, such as their Vehicle Identification Numbers (VIN) and whether they have passive restraint systems or air bags, anti-lock brakes, or anti-theft devices.

If you already have another insurance policy with the company for home or life insurance, you might receive a discount on your auto policy. You should also mention if you or other drivers in your household have completed safe-driving courses and if student drivers in your home are getting good grades. Both of these may qualify you for discounts on your auto policy.

Once the agent has assembled all of the information, a premium will be quoted to you. The premium will depend on all the factors above and on the deductibles you choose.

This article was submitted by the Insurance Information Institute, an organization that provides facts and assistance free of charge to the media, individuals and organizations. Submission of this article does not imply an endorsement or recommendation of the Financial Resource Center site.