Car insurance is a crucial but costly part of daily life. Since the world is unpredictable, it’s essential to have a backup plan for unexpected events. When getting a car insurance quote, you’ll need certain documents and be ready to answer specific questions from insurers. Here are some things to expect when you ask for a quote to avoid wasting time.
**Do You Own the Car?**
Insurers need to know if you own the car because it affects what you’ll pay. If you have a lease or loan, you might need comprehensive and collision insurance in addition to liability insurance. You may also need gap insurance, which covers the amount you owe if the car is damaged.
**How Many Miles Do You Drive Daily?**
Insurers ask about your daily mileage because it affects your accident risk. The more you drive, the higher your chances of an accident, which means higher insurance costs. Conversely, driving less can help you avoid high premiums.
**Can I See Your Driver’s License?**
Your driver’s license is crucial for getting car insurance. It shows you’re eligible and allows the insurer to check your driving history. A clean record can lower your insurance costs, while a history of accidents or violations can increase them. If multiple people will drive the insured vehicle, you’ll need to provide their licenses too.
**What Kind of Car Do You Drive?**
You’ll need to provide the make, model, and VIN (Vehicle Identification Number) of your car. The VIN is usually on the driver’s side of the windshield or door. Insurers need this information to determine your insurance costs.
**Do You Use the Car for Work or Business?**
Using your car for business can increase your insurance costs because you might need commercial insurance in addition to personal coverage.
**Who Currently Handles Your Insurance?**
Your current insurance company can influence your new quote. Some companies specialize in insuring drivers with clean records, veterans, or high-risk clients. Your rate can vary based on your current insurer and their specialty.
When getting car insurance, be prepared to answer these questions truthfully, assess the risks, and compare quotes. Choose the one that best fits your budget.