If you have other cars, you may just need to add the new car to the existing policy and therefore get some discount for «loyalty» and seniority as a customer. Also if you have a home insurance, you can place the car insurance in the same insurer. In that case, inform the broker of the company with which you insure your home.
Obviously you will be asked to show your driver’s license and take note of it. Not only is it important to confirm your address and identity, but also use it to evaluate your driving record (the insurer may request to review your driving history with the state motor vehicle department).
Similarly, the insurer can initiate a detailed assessment of your credit history, for which the broker will ask for your social security number. It must assure the proper handling of your private information and indicate your rights with respect to the laws of your state.
If you are having trouble finding a company that will insure your car, whether by the type of car or your driving history, do not despair, there are two options and you can read more about what to do when you do not find insurance coverage for your car.
Compare is the base to save on auto insurance
Once the agent or broker has all the information, it will provide you with a quote of how much will be the total amount for each renewal period (either 6 months or 1 year) and the coverages that are included. To be able to take out the most appropriate insurance according to your case, you will need to compare it with other similar companies and with the same lines, that is, if a company offers you a $ 500 deductible, ask for another company with the same deductible. financing your vehicle, you will be asked for the name of the bank / lender, account number, address, etc. This is because when you buy a vehicle with financing, the title of the same remains in the hands of the lender until he finish paying. If something happened to the car and the insurance had to issue a replacement check for it, it is possible that the bank is entitled to insurance benefits before you and the check may come in the name of both. Ask your agent how it works on your specific case and tells you which procedure to follow — and where to call — in case you have a claim, an accident or a problem with the car and need to contact the insurance.