If you’re getting a car insurance quote, changing providers, or making updates to an existing policy, it’s useful to know exactly what information you’ll need. There are several documents and pieces of information that help to have handy:
- Basic personal information
- Declaration page, if applicable
- Driver’s license and driving record
- Social security number
- Vehicle information, including the Vehicle Identification Number (VIN)
- Voided check or checking account information
- Discount verification information
What Do You Need to Get Car Insurance?
Basic Personal Information
Most car insurance quote processes begin by collecting your basic personal information, such as:
- Date of birth
- Home address
- Garaged address (where your car is parked most often)
If you are purchasing car insurance for the first time, you won’t have a declaration page. However, if you are changing providers, your current declaration page can help you maintain your desired coverage limits.
Every insurance policy comes with a declaration page, which summarizes all pertinent insurance information. The declaration page and your proof of insurance ID card are the most important documents in your insurance policy paperwork. The declaration page comprises:
- Driver information, including your name, date of birth, and driver’s license number
- Vehicle information
- Lender information, if you do not own your vehicle outright
- Premium amounts
Driver’s License & Driving Record
Many insurance companies can input your driver’s license number over the phone to verify that your license is valid and pull up your driving record. Insurance providers want to determine how much of a “risk” you are. A clean driving record is usually good news for your premium amount. However, if you have points on your driving record, it typically indicates a higher premium.
Points are put on your driving record by your state’s department of motor vehicles for infractions such as traffic violations, at-fault accidents, and license suspensions. The number of points added to your driving record and how long they stay there varies by state.
Social Security Number
To purchase auto insurance online or over the phone, you will probably need to share your social security number (SSN). Your SSN offers a way for your insurance provider to check your credit history. Insurance providers do this to verify that you are in good financial standing and are able to pay your bill on time. Generally, the better your credit score, the lower your rate.
You will need to provide a Vehicle Information Number (VIN), which includes your vehicle’s year, make, and model. In addition to a VIN, you may also need to provide the following:
- Miles driven daily and annually
- Name of registered owner
- Safety features
- Garaged address
- Prior insurance carrier and expiration date
- Date of purchase
- The use of the vehicle (For example, do you use it to get to work, drive it for pleasure, or use it to do your job outside of commuting?)
Voided Check or Checking Account Information
Setting up auto-pay is a great way to ensure that your car insurance bill is paid on time each month, and many insurance companies even offer a discount for customers who choose to enroll in an auto-pay program. Depending on your provider, you will be required to submit a voided check or disclose your checking account information, including your account and routing numbers.
Discount Verification Information
There are plenty of insurance discounts you may be eligible for and not even know it. You just need to be able to verify your discount eligibility. For example, your insurance provider will be able to determine your eligibility for a safe driver discount by running a report on your driving record. For things like homeowner discounts, good student discounts, military discounts, and membership-based discounts, you’ll be required to submit appropriate documentation.
Shopping for Car Insurance?
If you’re shopping for car insurance for the first time or are curious about how you could save money on your insurance premium, ABC Insurance Agencies can help. We help our customers in Louisiana and Texas make a better choice for car insurance by helping them secure the best coverage for their needs. To get a free car insurance quote, call 800-708-0123, click, or visit a friendly ABC Insurance Agent near you today!
- How Much Car Insurance Do You Need in Louisiana and Texas?
- Car Insurance Basics: A Guide to the Different Types of Coverage
The information provided in this blog is designed to give helpful advice on the topic discussed. It is not intended to provide legal or any other type of advice and is not meant to be a thorough discussion of every issue that a person should consider or may encounter. ABC is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources or your reliance thereon. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners. ABC Insurance Agencies-members of the National General Insurance Group, Winston-Salem, NC.