To get a car insurance quote, you’ll need to provide specific personal, vehicle, and driving details so the insurer can calculate your premium accurately.
Here’s a checklist of the most common information you’ll need:
👤 Personal Information
Full Name
Date of Birth
Address (Where the car is parked/used)
Occupation
Marital Status
Driver’s License Number (and for any additional drivers)
Years of Driving Experience
🚗 Vehicle Information
Year, Make, and Model (e.g., 2020 Toyota Corolla)
Vehicle Identification Number (VIN) (optional but helpful)
Odometer Reading (Current mileage)
Usage: Personal, business, or commuting
How many miles you drive per year
Ownership status: Owned, financed, or leased
Vehicle safety features (e.g., airbags, anti-lock brakes)
📜 Current or Previous Insurance (if any)
Name of previous insurer
Length of time insured
Policy expiration date
Coverage limits and deductibles
Any lapse in coverage
🧾 Driving History
Any traffic violations (tickets, speeding)
Any past claims or accidents (dates and details)
Number of drivers in the household
Driving records of all drivers on the policy
⚙️ Coverage Preferences
Type of coverage (Liability only, full coverage, etc.)
Deductibles (e.g., $500, $1,000)
Optional add-ons (e.g., roadside assistance, rental car coverage)
✅ Tips:
Quotes are usually free and non-binding.
You can request quotes online, by phone, or in person.
Having your vehicle registration and driver’s license nearby can save time.
Would you like a printable checklist or a sample form to practice with?
What should a car insurance company ask a customer?
A car insurance company should ask a customer a range of questions to assess risk, determine the right coverage, and calculate a fair premium. Here’s a list of essential questions insurers typically ask:
🔹 1. Personal Information
What is your full name, date of birth, and address?
What is your occupation?
What is your marital status?
What is your driver’s license number and how long have you been licensed?
🔹 2. Vehicle Information
What is the year, make, and model of your car?
What is the Vehicle Identification Number (VIN)?
Do you own, lease, or finance the vehicle?
What is the current mileage?
How many vehicles do you want to insure?
🔹 3. Vehicle Usage
How is the vehicle primarily used?
(Personal, commuting, business, ride-sharing, etc.)
How many miles do you drive per year?
Where is the vehicle parked overnight?
🔹 4. Driving History
Have you had any accidents or insurance claims in the last 3–5 years?
Do you have any traffic violations or tickets?
Are there any additional drivers to include on the policy?
What are their ages and driving histories?
🔹 5. Current Insurance
Are you currently insured?
Who is your current insurer?
How long have you had continuous coverage?
Has your insurance ever been canceled or lapsed?
🔹 6. Coverage Needs
What type of coverage are you looking for?
Liability only or full coverage (including collision and comprehensive)?
What deductible are you comfortable with?
Do you want optional coverage like:
Roadside assistance?
Rental car reimbursement?
Glass coverage?
🔹 7. Discounts & Eligibility
Are you a student, military member, or senior?
Do you bundle with home/renters insurance?
Does your car have safety or anti-theft features?
Are you enrolled in a safe driving program?
✅ Purpose of These Questions:
To understand your risk profile
To offer suitable policy options
To calculate a competitive and accurate premium