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¿What information does the insurer need to issue a car insurance?
As much as possible is that when you consider buying a vehicle, the dealer or dealer will ask if you have insurance for the car and if this is the first time, it may not be very clear what documentation you will need to present to the insurer.
Ideally, before submitting any documents or making any payment, you consider two aspects: a) How to choose the right insurer; B. What type of insurance do you need?
In addition to listening to the recommendations of friends and family about the companies with which they have had positive experiences.
The first thing the broker or insurance agent will want to know is the type of car you are going to secure. Because this is one of the factors that influence the price of a policy and the type of insurance you need.
Basic information about your car
• Year, model and brand.
• The vehicle identification number.
• Vehicle safety attachments: air bags, seat belts, anti-lock brakes, burglary safety systems, alarms, etc.
• How many miles you will handle around the year and how many you spend on your daily job.
• If it is a new or used car; The miles already covered; If you are financing it, the name and contact details of the company financier.
• If the car overnight in a garage, a public park closed or on the street.
Some insurers offer discounts for new cars and the agent may want to examine the vehicle and/or take photos of it to find out the state it is in.
When you have special cars or particular models, such as race cars or collectibles, chances are that the insurance is more expensive than when it comes to a regular one. And it is even possible that some companies do not secure certain vehicles and should address a specialized insurer who does.
Driver data
It is very important that when you get insurance for your car, identify all the drivers who live in your home and who can handle it. This is to prevent in case, for example, that children who are of driving age take their car without their permission, are covered in case any problems that have to do with the insured car are present.
The insurer will find out about the driving history of the vehicle owner and the policy. It depends a lot on your trajectory and behavior as a driver, that the insurer treats you with more or less consideration. As in everything, at greater risk, it will be more expensive to secure it.
If you have had numerous crashes or traffic tickets for speeding, this story will cost you more money when you buy the insurance; But instead, if you have a good driver record, you will enjoy additional discounts and even special programs for safe drivers and/or taking additional defensive driving lessons.
Also, if the young drivers of your home have taken driving courses, they can mean discounts-in addition to a mental peace of mind-; And if you are good students, you may also receive discounts on your annual or semester premium.
If you have other cars, you may only 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 housing insurance, you can place the car insurance in the same insurer. In that case, inform the broker of the company with whom you secure your home.
Personal information
You will obviously 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 you also use it to assess your driving history (the insurer may request to review your driving history with the State Department of Motor Vehicles).
Similarly, the insurer can initiate a detailed assessment of your credit history, so the broker will ask for your Social Security number. It must ensure proper handling of your private information and tell you your rights regarding the laws of your state.
If you have any problems finding a company that will secure your car, either because of the car type or your driving history, don't despair, there are two options and you can read more about what to do when you don't find insurance coverage for your car.
Compare is the basis of saving 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 cost for each renewal period (either 6 months or 1 year) and the coverages that are included. In order to be able to hire the most appropriate insurance according to your case, you will need to compare with other similar companies and with the same lines, that is, if a company offers you a deductible of 400 dollars, ask for a quote to another company with the same deductible.
Read more ...
As much as possible is that when you consider buying a vehicle, the dealer or dealer will ask if you have insurance for the car and if this is the first time, it may not be very clear what documentation you will need to present to the insurer.
Ideally, before submitting any documents or making any payment, you consider two aspects: a) How to choose the right insurer; B. What type of insurance do you need?
In addition to listening to the recommendations of friends and family about the companies with which they have had positive experiences.
The first thing the broker or insurance agent will want to know is the type of car you are going to secure. Because this is one of the factors that influence the price of a policy and the type of insurance you need.
Basic information about your car
• Year, model and brand.
• The vehicle identification number.
• Vehicle safety attachments: air bags, seat belts, anti-lock brakes, burglary safety systems, alarms, etc.
• How many miles you will handle around the year and how many you spend on your daily job.
• If it is a new or used car; The miles already covered; If you are financing it, the name and contact details of the company financier.
• If the car overnight in a garage, a public park closed or on the street.
Some insurers offer discounts for new cars and the agent may want to examine the vehicle and/or take photos of it to find out the state it is in.
When you have special cars or particular models, such as race cars or collectibles, chances are that the insurance is more expensive than when it comes to a regular one. And it is even possible that some companies do not secure certain vehicles and should address a specialized insurer who does.
Driver data
It is very important that when you get insurance for your car, identify all the drivers who live in your home and who can handle it. This is to prevent in case, for example, that children who are of driving age take their car without their permission, are covered in case any problems that have to do with the insured car are present.
The insurer will find out about the driving history of the vehicle owner and the policy. It depends a lot on your trajectory and behavior as a driver, that the insurer treats you with more or less consideration. As in everything, at greater risk, it will be more expensive to secure it.
If you have had numerous crashes or traffic tickets for speeding, this story will cost you more money when you buy the insurance; But instead, if you have a good driver record, you will enjoy additional discounts and even special programs for safe drivers and/or taking additional defensive driving lessons.
Also, if the young drivers of your home have taken driving courses, they can mean discounts-in addition to a mental peace of mind-; And if you are good students, you may also receive discounts on your annual or semester premium.
If you have other cars, you may only 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 housing insurance, you can place the car insurance in the same insurer. In that case, inform the broker of the company with whom you secure your home.
Personal information
You will obviously 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 you also use it to assess your driving history (the insurer may request to review your driving history with the State Department of Motor Vehicles).
Similarly, the insurer can initiate a detailed assessment of your credit history, so the broker will ask for your Social Security number. It must ensure proper handling of your private information and tell you your rights regarding the laws of your state.
If you have any problems finding a company that will secure your car, either because of the car type or your driving history, don't despair, there are two options and you can read more about what to do when you don't find insurance coverage for your car.
Compare is the basis of saving 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 cost for each renewal period (either 6 months or 1 year) and the coverages that are included. In order to be able to hire the most appropriate insurance according to your case, you will need to compare with other similar companies and with the same lines, that is, if a company offers you a deductible of 400 dollars, ask for a quote to another company with the same deductible.
