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What Information is required for a Car Insurance Quote?

Car insurance companies are easy enough to find with over 100 licensed car insurance companies in most states however what information is required to get an accurate car insurance quote?

Most drivers assume by punching in a zip code they will get personalized car insurance quotes and this is not true. Sure, most people in the auto insurance industry are to blame for this misperception since everywhere you go ads say “Enter your ZIP code and get FREE Quotes”. We are guilty of this also but the point of the zip code search is to match you with car insurance companies in your area of residence so you can start a car insurance comparison search online. There are no secret genies living in your computer who can tell an auto insurance company your exact age, make and model of car or even your VIN number so its important to know what to have on hand before speaking with any potential auto insurers.

What Information is required for a Car Insurance Quote?

Many of the items you need for a car insurance quote are easy – such as your age and make and model of the car – however its a good idea to follow this checklist of items before contacting car insurance companies. It will make the process smoother and help auto insurance providers calculate an accurate quote based on your overall profile.

  • Your Drivers License Number
  • Make and Model of Insured Vehicle
  • Existing Mileage
  • Approximate Annual Use of the Vehicle
  • How Many Household Drivers and Ages
  • What type of Car Insurance you need
  • General Driving History (able to answer basic questions)
  • Exiting Policy (to verify types of coverage)
  • Current GPA (for students)
  • VIN Number for Vehicle to be insured
  • A list of the vehicle’s Safety and Anti-Theft Devices
  • Policy Numbers of existing polices (for multi-policy discounts / only applies when speaking to your current insurer)
  • Name of Traffic School for any defensive driving courses completed (and date of completion)

Some of these items may not be required for a quote but the final car insurance application will require all of these items (and more) so its better to be well prepared instead of getting a last minute increase because you forgot to mention a couple things.

Why is Car Insurance Comparison so Important?

Price comparison for almost any item is the only way to get competitive rates and understand options available in the marketplace. Shopping for car insurance is no different than purchasing a new TV in this respect. The best car insurance rates will be found by those consumers who spend time comparing car insurance companies. It’s really as easy as that.

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