Car Insurance Quote Checklist

We can help you get a free insurance quote today but there are a few things you must provide beforehand. Firstly, in order to complete an accurate auto insurance quote, Insurance Navy needs the following information.

First & Last Name

This will be compared to the driver’s license information and driving record to confirm an applicant’s identity.

Phone Number

This will be kept on file for courtesy payment reminder calls and courtesy policy renewal calls.


This will be kept on file to send you newsletters and information about special promotions or events.

Date Of Birth

Young drivers with little experience are at a higher risk for accidents and pay higher premiums. Rates can decrease as much as 20% as soon as you turn 25.


Women have few car accidents compared to men. Therefore, women typically pay less for their premiums because they are at a lower risk. Males are also statistically more aggressive drivers.


We can find the rate of stolen cars, vandalism and claim numbers filed in that particular region. If you own a home, you may benefit from lower insurance rates.

Employment Information

Insurance Navy will ask for employment information for a number of reasons. Some professions are linked to lower accident rates. Insurance Navy also wants to ensure the vehicle is not used for work-related activities.


The VIN is a car’s 17 digit identification number. The VIN tells our agents a lot of important information. This includes the body style, braking system, engine type, series of vehicle, restrain system, recalls and more factors that may increase or decrease an insurance premium. The agent will also know if the vehicle has a salvage title. If it does, Insurance Navy will not insure the vehicle.

Marital Status

Married couples and even divorcees are also statistically less of a risk to insurance providers.

Driver’s License & Driving Record

We will need to verify an applicant has a valid driver’s license. We will also look at your driving record to determine the risk they are taking by insuring you. However, Insurance Navy will typically only look at the last three to five years.

Type Of Coverage Needed

Higher policy limits and coverage mean a higher risk for insurance companies and higher insurance premiums.

More Information

As you can see, there is a lot that goes into finding and obtaining a car insurance quote. But, that’s why Insurance Navy is here, to make the process easy and stress-free.

Have any questions about how to get a free car insurance quote, insurance discounts, or life insurance? Our insurance agents and customer service team are here to help with your affordable car insurance needs. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. Our offices are open from 8 a.m. to 9 p.m. CST, 7 days a week.

Insurance Navy also has a strong presence on social media. Give us a like or follow on our Twitter, Facebook, Instagram, or YouTube page. We’ll keep you up to date on helpful property damage tips, local news and much more.

Lastly, we also have blogs that may help you with any additional questions you have.