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What Information Do I Need To Get An Instant Car Insurance Quote?

 


Auto insurance quotes are initial estimates of your premium or what you'll pay for an insurance policy. When shopping for auto insurance, you can get several quotes from insurers. Auto insurance quotes are based on information about your driving history, the type of automobile being insured, and other factors. Quotes may differ from the final rate the insurance company offers. Find out how auto insurance quotes work, what to expect with the quote process, and how to use insurance quotes to get the best rates for you.

When you get an instant car insurance quote, there are some key bits of information you'll be asked about, like your age and garaging address. Additionally, you'll want to make sure you have the right information handy, including your personal information, vehicle information and your driving history.

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HAVE YOUR PERSONAL INFORMATION READY

According to the Insurance Information Institute (III), some insurers use personal information as factors to determine the price of your auto policy.

  • Your address, which may help determine your vehicle's exposure to certain risks specific to your area, such as severe weather.
  • Your Social Security number.
  • Your driver's license number, to prove you're a licensed driver.
  • Your vehicle's make, model and year.
  • Your car's Vehicle Identification Number (VIN).
  • Your car's odometer (mileage) reading.
  • Details on any security features, like car alarms or GPS anti-theft devices. Some security features may land you a discount on your car insurance policy.
  • Whether your car has safety features like front-and side-impact airbags or anti-lock brakes. Same as above, you might earn a discount for being safer.

YOUR DRIVING HISTORY

  • How you use your vehicle—and your driving record—may also factor into your car insurance quote. You might want to gather notes on the following before getting an online quote:
  • How many miles you drive per year (can be an average). According to the III, the more you drive, the higher your possibility of getting into an accident and paying more for an auto policy.

Specific details on moving violations and accidents of note that appear on your driving record, according to the III. You'll also likely be asked to provide dates and details. To make the process as fast and as easy as possible, consider ordering a copy of your driving record from your state's Department of Motor Vehicles.

KNOW THE CAR INSURANCE COVERAGES YOU MAY NEED

What coverages you choose—along with their limits and any deductibles—may directly affect your online car insurance quote. If you're not sure how much insurance you need, first review your state's requirements. Here are some of the common coverages you may want to read up on before you start your quote:

Liability coverage: If you cause a car accident, this coverage may help pay for the other person's medical bills or property damage.

Collision coverage: If your car is damaged in an accident, this coverage may help pay for repairs.

Comprehensive coverage: This coverage may help pay to repair damage to your vehicle that isn't from a collision. Incidents include things like fire, theft or vandalism.

Medical payments coverage: This coverage may help pay medical expenses for you or your passengers after an accident, regardless of fault.

Personal Injury Protection (PIP): Similar to medical payments coverage, PIP helps pay for you and your passengers' medical bills after a car accident, regardless of who caused the accident.

Uninsured and underinsured motorist coverage: If you're involved in a car accident with an uninsured or underinsured driver, this coverage may help pay for your medical bills or property damage (depending on the coverage available in your state).

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