Insurance Quotes–What Do Car Insurance Companies Need To Find You A Quote?

Insurance Quotes What Do Car Insurance Companies Need To Find You A Quote Insurance Navy Auto Insurance Thumbnail
Insurance Quotes What Do Car Insurance Companies Need To Find You A Quote Insurance Navy Auto Insurance

When shopping for car insurance quotes, it’s easy to get caught up in what you’re looking for and not what they’re looking for. What I mean by that is when shopping for potential car insurance companies, those companies will also need some important information from you. To ensure you’re fully ready to get your quote, we’ve put together this list of what exactly car insurance companies need to get you that quote.

Firstly, you’ll need to give them your first and last name. Obviously, this information is for comparing with other documents such as your driver’s license to confirm your identity. Another very basic bit of information you’ll have to give insurance companies is your phone number. That way, the insurance company can call you about policy renewals, payment reminders, etc. For a similar purpose, they will need your Email as well. The reason for this is less about policy renewals and instead focuses on special promotions and newsletters.

Your date of birth is also key for getting a car insurance quote. Just as important is your gender because, in the insurance field, men typically tend to pay more for premiums than drivers who are women.

Another piece of information that can earn you insurance discounts is your home address. That’s right, you may pay less for coverage simply based on where you live. Even where you work can affect your quote. That’s why companies will ask for your employment information before issuing a quote. Much like certain areas to live in, certain jobs can lead to different risks.

Another factor the company will need is the vehicle’s VIN. If you’re unaware of what VIN is, it stands for Vehicle Identification Number. This is another important factor that can cause your rates to go either up or down. It can inform your insurer (or potential insurer) of the car’s recall history, engine type, etc.

If you thought that was a lot of information, just wait, we’re not done yet. Another important factor in getting insurance quotes is your marital status. Whether or not you are in a marriage could make or break the amount of money you pay for coverage. Married couples and even divorcees tend to be seen as lesser risks in the eyes of car insurance companies.

Your driver’s license is also an important factor in getting insurance quotes. This is less about whether you get a higher or lower rate and more about verifying your identity. However, your driving record is key in determining what you pay for coverage. By looking at this information, insurance companies determine how much of a risk you are or are not.

Last but not least, you will also have to (obviously) tell the insurance company which type of coverage fits your needs in order to accurately get you a quote. The higher the risk for insurance companies, the higher the premium will be.

More Information

Do you have any additional questions about insurance coverage? Would you like to make sure you’re paying the best price for your coverage plan? Our experienced insurance agents and customer service team are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. Our offices remain 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 your preferred form of social media. Insurance Navy is on TwitterFacebookInstagram, and even Pinterest. That way, we can keep you updated on helpful insurance tips, news stories and much more.

Additionally, you can get free car insurance quotes instantly on our website, over the phone, or via our mobile app. We offer quotes for classic cars, commercial cars, watercraft, businesses, homes, and that’s not all. Simply follow whichever method you find more convenient to get a free, instant insurance quote today.

If you’d like to take a look at more blogs about proper car maintenance or coverage, we have a bevy of them on our website. Consider taking a peek at these insightful write-ups before you leave:

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