Purchasing Auto Insurance

Contributed by Greg Bailey

What information do you need to provide me a quote for auto insurance?
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Typically you will need to be prepared with the following information: \012-Vehicle Identification Number (VIN) for each vehicle.\012-Make, model, and year of each vehicle.\012 -Social Security number of main policy holder. \012-Drivers license numbers of each driver on the policy.
How do I determine what type and how much coverage I need?
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Liability coverage (bodily injury, damage)\012Comprehensive and Collision \012Medical Payments\012Personal Injury Premium\012Rental Car\012Towing
What specific items are not covered in a policy?
Do you offer first accident forgiveness?
Do you offer any type of discounts?
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There are several ways to save on the cost of your premiums. Multiple coverage discounts may apply if the same broker provides your homeowner or rental insurance. Good student discounts may apply for young drivers who maintain a certain GPA. Some companies offer discounts if you have a clean driving record.
What deductible amount are you including in my policy estimate?
How much can I save by choosing a higher deductible?
What is the annual premium you estimate based on my needs?
What are the payment terms, conditions and schedule?