- Vehicle information - Be ready to provide the make and model of the vehicles you want to insure, the primary use of the vehicle (to/from work, for pleasure, etc.), annual mileage, information on ownership (owned, leased or financed) and list who the car is registered to (you, spouse, you and spouse, leasing company, etc.) The vehicle identification number (VIN) is required by some insurers that pull data about the vehicle and its registration directly from the DMV.
- General questions - Your name, birthdate, address, marital status, and other personal information pertinent to the quoting and buying process.
- Drivers and household residents - Names of all licensed household drivers, their education and occupation, license status, and how long they've been licensed (or age at which got licensed) normally must be known.
- Violations or an incident - If you've had any traffic violations, accidents or claims in the last five to seven years it's helpful to have that information on hand. You may need to answer questions about the violation type, violation date, accident type, accident/claim date, if there were injuries, if there were property damage, if your insurer or other insurer paid and the amount of the claim payout.
- Coverage selection - You may be asked about your current insurer, if you've been continuously insured, your current limits and your expiration date. You'll then need to choose the coverages you want to include on your policy and limits (if the selected coverage has different levels). If coverages have deductibles associated with them, an amount must be chosen.
We highly recommend that you have your current auto insurance policy handy (if this isn't your first policy) so that you can compare “apples to apples” regarding coverages -- and see how much you could save by changing companies.The rate you are quoted can change based on data from the DMV and other sources (such as your C.L.U.E. report); thus, it's very important to give accurate information during the quoting process if you don't want your final purchase price to change or to receive an additional premium notice. (See “ Yes, the insurer checks up on you”) When you decide to buy a policy after you've shopped around and found the best rates, you'll need to have the following information on hand:
- Driver's license numbers for you and all drivers who will be listed on the policy
- VIN for all vehicles you wish to insure
- Social Security numbers for all drivers (if applicable)
- Credit card/checking account information for account setup and payment