In order to save money on auto insurance, you should shop for it often and with different providers. It saves you money to ask for quotes at least eight days before the policy becomes effective.
But no matter how many quotes you are requesting, you should know the answers to most common questions that insurance agent will ask you. Here are some of them.
What is your name, date of birth, driver's license, and social security number? The agent will ask you to provide full names of all drivers that will be listed on the policy as it is written on their driver license. Driver's license number and date of birth also should be given to the agent at the time of quoting. This information helps to identify the person and run driving record history. Insurance companies like drivers with no traffic violations and give them preferred insurance rates. What is the year, make, and model of the car? The agent will not need to know the color of the vehicle or the license plate number. Both of those things can change and it will not make a difference on the insurance premium. The make and model of the car will make a difference. Insurance companies use rating system to evaluate each vehicle. Some vehicles are more preferred than others. More expensive cars are more expensive to insure. Where you garage the vehicle? Insurance companies don't like the vehicles to be parked overnight on the streets, in busy parking lots of dormitories, colleges and other busy to traffic areas. In addition to that, every insurance company rates specific area with a code. Some areas that are high in crime and break-ins charged higher insurance premiums. What is vehicle identification number (VIN) of the car? Claims report it is very important in determining insurance rate and it will be run at the time the quote is prepared. Depending on insurance agent, the report might be run at the time when the policy issued, and that can change the rate of the policy. How far you drive to work? If you drive less than four or five miles one way every day, you might be getting a discount. Do you have something added to your car that was not there when the car came out of the factory? If you added any special equipment, rims, carpets, which includes stereos, and any other custom upgrades to your car, you should insure it. When getting a quote, mention it to the insurance agent. Gather receipts to prove the value of your upgrades. Different Types of Van Insurance Significance of Using Auto Insurance Quotes Auto Insurance Myths You Should Know About Why Teen Drivers Are More Susceptible to Car Accidents
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