What is your ZIP code?This question typically kicks off a car insurance quote and is the first building block of your premium. A comparison site needs to know which of its clients can serve you, or a single insurer needs to know if it services your state. Why is it important? Rates are usually set up by territorial ratings. If you live in a metropolitan area, you will normally pay more than someone who lives in a suburban or country setting. Insurers look at the number and severity of auto insurance claims in an area to calculate base rates.. Cities typically have more traffic congestion and crime, which means more claims.
What car will you be insuring?You will need to know the year, make and model of the vehicle you want to insure. (You will need to supply a vehicle identification number, or VIN, if you find a policy you want to buy.) Why? A vehicle's claims history and repair costs are taken into account when determining rates because it shows the insurer how much, or little, of a risk your car is to insure. A vehicle that is typically driven by families, like a minivan or SUV, will get better rates than a compact driven mostly by younger drivers. This part isn't about you - it's about the claims filed by everyone who drives the same kind of car.
What is the primary use of your vehicle?Be ready to say how you use your vehicle, such as:
- Commuting to and from work
- Commuting to school