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Searching for auto insurance doesn't have to be a challenge. In fact, your local independent agent can do most of the work for you. But even with an agent shopping for your quotes, you’ll still be responsible for providing quite a bit of information. Insurers calculate premiums using a lot of different factors that are designed to assess risk. When applying for auto insurance you can expect to be required to provide the following information.

Driver Information

You will need to offer up personal information, such as name, age, gender, driver’s license number, address, occupation and marital status. Insurers will run a credit report and collect records of your driving history, including past accidents, traffic violations and insurance claims. You may also be asked about the number of drivers for each car and information about your home and neighborhood to assess the safety of the area.

Vehicle Information

You will be asked about the basics of your car, including make, model, year, VIN and registration information. The insurer will also want information regarding the car’s primary use (business or personal), whether it’s owned or leased, any installed safety/anti-theft devices and your average monthly mileage usage.

Coverage Information

You will need to select the types of coverages you want included in your policy. State minimum requires that you purchase liability coverage, but you can add coverages such as collision, uninsured/underinsured motorist, comprehensive, medical payments, personal injury protection, gap, accident forgiveness and more.

Auto insurance keeps you and those around you safe on the road. Call Insurance Beacon at (623) 584-0071 for more information on Surprise AZ auto insurance.
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2 Comments

auto insurance Katy said...
Very informative post. I have one question though. What would happen in case you do not reveal all the information regarding your driving history?
THURSDAY, DECEMBER 19 2013 6:08 AM
Jeff said...
Hey Katy, good question. I am sure you have heard the term GIGO, garbage in garbage out, well, your insurance quote will only be as good as the information that is entered either by you online or by the agent working on your quote. When we finalize a new auto insurance quote at Insurancebeacon.com we will ask for detailed information, including driver’s license numbers, and we will pull claim history reports as well as motor vehicle records so we can provide the most accurate quote possible. Heres the good news, even if you have activity in your driving history, we may be able to disregard the history in some circumstances. The key is to use an agent that knows their stuff so they will be able to search the best rates for you no matter what your driving history is. Happy shopping!
THURSDAY, DECEMBER 19 2013 6:55 AM

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