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What Information Do You Need To Purchase Auto Insurance?

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Auto insurance is a product that every driver needs. It protects you when you drive, and it protects other people you may encounter while you drive. If you do not have a policy right now but need one, you can call for a quote. Before you call, you should gather the necessary information, as the agent will require the right information before processing your quote and policy. If you are not sure what you need, here is a list of the information you must supply to the agent for an auto insurance quote.

Your Driver's License Number

The agent you speak to will begin the conversation by asking your name, birth date, and address. Agents need basic details about you to process a quote, but they also need your driver's license number. Your driver's license number connects you to your driving record, and the agent needs to look this up before offering you a quote. Your driving record tells the agent details about your driving history, and it helps the agent determine your risk level. If you have a clean record, you may pay less for your insurance than if you have tickets and claims on your record.

The VIN From the Vehicle

The second thing you need is the vehicle identification number (VIN) of the car you want to insure. You can find this number on the car or the title. This number is crucial to agents, as it tells the agent features about your car and sets your vehicle apart from all others. When the agent looks up the VIN, he or she can find out things such as safety ratings and safety features the car offers.

If you do not have a vehicle, you can still buy insurance. The plan would be a non-owner's insurance plan, which means that you have car insurance without owning a car. Non-owner's plans protect you if you borrow vehicles to drive, and they help you avoid lapses in insurance coverage.

The Coverage Types You Want

You will also need to tell the agent the types of coverage you want for your car. You can choose minimum coverage if desired, or you can choose full coverage. It is up to you, but you should make sure you understand the coverage types before making your decision.

Are you ready to ask an agent for a quote? If so, contact an auto insurance company today to get started.