Quotes On Car And Home Insurance – When you request a car insurance quote, you will be asked to provide some personal information. This is simple if you live alone and have a vehicle, but if there are other drivers and vehicles in your home, you’ll want to collect all of their information first, in addition to your own.
We know that getting a car insurance quote can be a game of 20 questions or the first visit to a new doctor where you are asked for a lot of personal information before a diagnosis can be made.
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Insurance is quite confusing. And if you’re asked to give away a lot of information about your personal life, it just adds another level of frustration. We feel your pain.
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As a specialty personal lines insurance agency, we have written many auto policies for Central New York residents over the years. But in order to write the most accurate auto insurance quote possible, we need the personal information of all family members.
We prefer to give you a price that, if you want, you can buy with no surprises, as opposed to a half quote that can change later.
In this article, you’ll learn why your personal information is needed to get an accurate auto insurance quote and what that information consists of. Having the necessary details in hand will ease the quoting process and get you behind the wheel so you can get to the fun part.
The legal names of all licensed drivers must be provided. This includes drivers who have separate insurance. It also includes drivers who do not own a vehicle but are still licensed.
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And be sure to add “Jr” or “III” for people with those suffixes. That way, if Thomas Sr. had a speeding ticket, it wouldn’t be erroneously applied to Thomas Jr., who is driving responsibly.
Married drivers tend to get lower rates. Marital status also serves as a check and balance. If you are married but your spouse lives at a different address, you will provide additional information about this.
Separated couples who have not yet divorced should disclose this fact. Separate marital status indicates that there is a spouse living elsewhere.
If the license is New York, then you will provide the 9-digit driver’s license number for each person. It’s okay if you or someone else has an out-of-state license. You must have the unique identification number and know its status!
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Driver’s license numbers are used to find specific information. This includes the vehicle report for each driver, which an agent needs to sell a policy.
Social Security Numbers (SSNs) are for one or two people who will own the policy. Policy owners are named and insured named. The SSN is linked to information about your financial and insurance history.
It is essential to set the record straight on these two points. Financial history, in particular, has nothing to do with your credit score. It’s actually not a hard credit puller and doesn’t show up on your credit report. It’s also not something we see specific information about at the end. The information is used behind the scenes and the result is applied to the final cost of the insurance.
All else being equal, our experience has shown that those with less debt tend to have lower insurance premiums.
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Since age plays an important role in insurance rates, the date of birth (DOB) for each driver is required. Make sure you know the right one for each driver.
You will need your current address and any other home address for the last three years. Your address determines exactly where your vehicles are stored. If one or more of your cars are kept elsewhere, you will also be asked for that address.
Your mailing address may be different from your street address. However, the address must also be provided, because you still can’t put a car in a mailbox since the last check.
Insurance carriers will review the last five years of each driver’s driving history. Any accidents or tickets must be disclosed. Even if you were not at fault in the accident, you still want to mention it. By doing so, you will avoid being judged negatively for an accident you did not cause.
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Your current insurance coverage gives us an overview of your policy and premium. We will ask for the name of your insurance company. That way, if it’s a carrier we use too, we won’t include them when we offer deals.
For accurate comparisons, it’s helpful to know your current coverage. If you have a $250 deductible on your existing policy, we wouldn’t want to use $500 on your quote. Ideally, we’ll match or improve on what you have now.
But let’s say you’re currently uninsured or have been uninsured for more than 30 days. In this case, the availability of car insurance carriers will be less. However, as an independent insurance agency, we work with insurers who can help us in this area.
The easiest way for us to find accurate information about your vehicles is for you to provide us with something called a VIN. VIN stands for “vehicle identification number” and every vehicle in the United States has one. Cars or trucks manufactured after 1980 have a 17-character VIN.
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You will find the VIN in several places throughout the vehicle. But the most common place is in the lower left corner of the dashboard, in front of the steering wheel.
While VINs eliminate the likelihood of a quoted rate change, we can still help you if you don’t have them. The year, make and model go a long way in providing an accurate quote. Knowing that it’s a 2019 Honda Pilot EX-L instead of just a “newer Honda SUV” makes a big difference!
How far is the commute to work? Are you a stay at home mom? Are you a REALTOR® who uses a car when showing homes? Do you drive for Uber? These are the types of questions you will be asked to answer about how each vehicle is used.
You will need to know how many miles per year are added to each vehicle. While each carrier has its own threshold, vehicles driven less than 7,500 miles per year typically receive lower rates.
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Your payment plan can end up being the ultimate differentiator. Insurance companies use their payment plans as an additional competitive measure. Depending on your specific insurance plan, significant auto insurance discounts may be available.
Now you know what information you will need to complete your auto insurance purchase. But make sure you check out this article before you try to get auto insurance quotes, or you won’t be prepared, which will make for a challenging quote experience filled with inaccuracies.
You can do this by learning what personal injury coverage means, researching the differences between comprehensive coverage and collision coverage, or reading how to get auto insurance.
Even if you are not familiar with some of the details listed in this article and would like to move forward with a quote, we are happy to help. I have worked with many quote seekers who had difficulty going through this step on their own. Partner Content: This content was created by a Dow Jones business partner and was independently researched and written by the editorial team. Links in this article may earn us a commission. Find out more
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If you have auto and home insurance, you can save money by bundling these coverages. But what is the best home and car insurance package? We at The Guides Team have reviewed the best auto and homeowner insurance companies on the market and will highlight our top picks for bundled insurance.
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The Guides team is committed to providing reliable information to help you make the best possible decision about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we have created a comprehensive rating system to formulate the ranking of the best car insurance companies. We collected data on dozens of auto insurance providers to rate companies on a wide range of ranking factors. After 800 hours of research, the final result was an overall rating for each provider, with insurers scoring the highest at the top of the list.
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When an insurance company covers your home and vehicle, you have combined coverage. Companies that offer auto and home insurance can give discounts when customers buy both types through the same provider. Bundle discounts may also apply when you combine other types of insurance, such as renters insurance, life insurance or umbrella insurance.
Group discounts are also called multi-policy or multi-line discounts. Almost all companies that offer multiple types of insurance offer bundle discounts, but some do not. Consider companies that offer discounts to make the package coverage worthwhile.
One of the most popular package options is the combination of home and car insurance. But there are more ways to save