The process of getting car insurance quotes starts with the insurer asking you for certain information. You will find yourself answering the same questions to every insurer that you get in touch with since this helps them put together a policy for you. This data helps the insurer offer you a policy at a certain premium since there is no one size that fits all when it comes to insurance. You therefore have to have the answers to these questions handy. The information that a vehicle insurer generally looks for includes:
1. Details of the car in question. Basic details include the make and model of the car as well as its year of manufacture and its VIN number.
2. Safety information. Insurers like to know whether a car has sufficient safety features or not because this helps them assess the amount of risk involved in insuring it. If a vehicle is fitted with ant- theft systems, air bags and anti lock brakes then the risk of having to pay out on the policy is small. As a result, you will get a discount on the premium.
3. Usage information: You will also be asked for the mileage of the vehicle because this helps determine how much the car will be used and therefore the risk of having an accident. People who drive to work generally have to pay more for insurance than people who only use the vehicle occasionally.
4. Your place of residence: Insurers tend to offer lower rates to people who live in rural or semi-rural areas because these areas tend to see fewer car accidents than urban areas.
5. The number of people who will drive the vehicle. In addition, the insurer will also want to know the ages and driving records of all these people in order to determine the overall risk of providing an insurance policy to the vehicle.
6. Any information that will help you qualify for a discount. Apart from the safety features of the car which have been mentioned above, you should also provide details on driving classes that have been undertaken.
It is best to keep your old insurance document handy when you start the process of renewal by contacting a number of vehicle insurance companies. It will have a lot of the data you require and you will therefore be able to get the job done very quickly and with the least amount of effort.
