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Information Required to Get an Instant Car Insurance Quote

When looking for an auto policy, you’ll request a car insurance quote at some point. A good agent will provide multiple quotes to let you compare and pick the carrier with the most cost-effective coverage options. However, you’ll need to provide specific information to get an accurate estimate for the coverage you’re after. Here are typical examples:

Your Personal Details

Generally, your personal information may be unique enough to influence your auto insurance costs. Some of the details you may need to share before receiving a quote include:

    • Your address: Your location has a bearing on the risks your car is exposed to, such as flooding or theft.
    • Your age: This gives an idea of your driving experience.
    • Your gender: Insurers may use this information to assess your probability of causing a serious accident.
    • Your Social Security number: Your SSN may be needed for underwriting purposes.
    • Your driver’s license number: It helps confirm that you’re licensed to drive in your state.

Your Car Details

Specific information about your car will help your prospective insurer assess your level of property damage or loss exposure. They may request the following details:

    • The car make and model
    • The model year
    • The mileage as indicated on the odometer
    • Any vehicle security features in place
    • Front and side-impact airbags
    • Any anti-lock brakes

Prospective insurers will be interested to know if your car has any security reinforcements that make it harder to steal. Having anti-theft features and car alarms may attract a discount on your comprehensive coverage. Also, any auto safety features that keep the driver and their passengers safer or enhance the vehicle’s stability and control on the road can impact auto insurance quotes.

Your Driving History

Most insurers consider driver records when computing car insurance premiums. You may be asked to share this personal information to give an idea of your driving behavior. Be prepared to provide the following details:

  • Your average mileage per year: This information indicates your extent of exposure to auto accidents.
  • Moving violations/auto accidents: Involvement in at-fault accidents and any citations for traffic infringements on your driving record may impact your car insurance premiums. Your insurer may require this information if applicable.

Determine the Coverage You Require

The quote you get will also depend on the specific auto coverages you need. Deductibles and applicable limits in your state have an impact, too. Some of the common car insurance coverages are:

  1. Auto liability:

    This coverage includes medical bills and repair/replacement costs for third-party bodily injury and property damage, respectively.

  2. Collision:

    This coverage can pay to repair or replace your car after it’s damaged in an accident.

  3. Comprehensive:

    You can purchase this policy to cover the repair or replacement of your vehicle after damage or loss not related to a collision. Covered events usually include fire, theft, and vandalism.

  4. Medical payments insurance:

    When you have this no-fault coverage, you can be compensated for medical bills incurred by you or your passengers.

  5. Personal Injury Protection (PIP):

    PIP insurance covers medical expenses incurred by you and your passengers, regardless of the at-fault driver.

  6. Uninsured and underinsured motorist:

    Uninsured is when the at-fault driver has no liability coverage or escapes after causing an accident. Underinsured is when the at-fault driver doesn’t carry enough liability insurance to cover your medical bills or car repair costs.

These are the pieces of information you should share with your agent to get an accurate car insurance quote. At McCarty Insurance, we can help you find an appropriate auto insurance policy for your budget and needs. Contact us today to get started!

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