The insurance requirement to purchase insurance for a car are basically the same in all states, so this guide is pertinent regardless of where you live. Before you get accident coverage, ensure you have the accompanying documents and other data close by.
- Driver’s License
Your drivers license confirms that you can legally drive and can buy insurance. It also enables insurance providers to check your driving history before offering you coverage. With a clean driving record you will be in a better position for lower rates versus someone with a history of speeding and/or prior accidents. If more than one individual will drive the vehicle you are protecting, drivers’ licenses must be provided for all the drivers.
- Social Security Number
The second thing you should present to get auto insurance is your social security number. Again, if more than one individual is driving the vehicle then every driver should provide this info.
- Credit Check
Insurance agencies will run a credit check before offering you coverage. History has shown that individuals with a background of making late payments tend to have more claims and cost the insurance agencies more. Having a strong credit score will work in your favor for reduced premiums and rates on auto insurance.
- Vehicle Information
The insurance agency should know precisely what auto they are covering with your policy. You will have to provide the vehicle’s VIN, which is usually imprinted on a sticker situated inside the driver’s side windshield. Your auto dealership can help you find the VIN in the event that you can’t find it. Your insurance premiums and rates will primarily depend on the car you are driving. Newer model cars tend to cost less to protect than older vehicles which usually don’t have the latest protection features like airbags.
Aside from the info listed above, you should also provide the following. For the individuals that will be driving the vehicle their names, date of birth, addresses, driving recording including accidents and/or speeding violations and the policy you want to purchase.
By having all of the documents listed above, it will help speed up processing and you will be able to acquire car insurance in no time.
Call us today to learn how S.T. Good Insurance can give you the peace of mind you deserve when it comes to protecting your investments.