Acquiring auto insurance begins by requesting a quote. A quote is not an insurance policy, but it is an estimate of the costs you must pay for insurance coverage. If you need auto insurance, you can begin the process by requesting a quote. Before you call an insurance agent, you might want to gather the necessary documents you will need to request a quote. Here are several things you must have when contacting an insurance company to ask for an insurance quote.
Your Driver's License
Most insurance companies will not offer auto insurance plans to people without a driver's license. A driver's license gives you the privilege to drive legally, and you must have one when you contact an insurance company. The agent you speak to will ask you for the number on your driver's license. They might also ask you what state issued the license, the issue date, and the expiration date.
The agent needs this information to perform a driving history check. All insurance companies do this before issuing insurance policies, as this information affects the rates a person pays. If you have a driving history that has no accidents, claims, or tickets, you have a clean history. You will likely pay lower insurance rates because of your clean record.
The Vehicle Information
The next thing you must supply is the vehicle information. An insurance agent cannot give you a solid quote for coverage without knowing this information. Therefore, you must supply the agent with the vehicle's VIN. The VIN tells the agent the year, make, and model of the vehicle. It also tells the agent the car's features, including the safety features. This information tells the agent how much money to charge you for insuring it.
The Insurance Types You Want
Finally, it would help if you told the agent what insurance coverage you want to have. For example, do you need full coverage insurance on the vehicle or liability-only? The types of coverage you have control the costs you pay for the policy. If you are not sure what types to choose, tell the agent that you are unsure. The agent can explain and recommend the options you might need.
Before calling for an insurance quote, gather these documents, so you are prepared to answer the questions the agent asks. Once you are prepared to request an auto insurance quote, call or visit a Bear River insurance agency.