CAR INSURANCE IS A PAIN TO SHOP FOR. AND TO GET THE BEST PRICE FOR WHAT YOU NEED, WELL THAT IS A WHOLE OTHER CHALLENGE. I HAVE PUT TOGETHER A CHECKLIST AND A SURVEY OF COMMONLY ASKED QUESTIONS AUTO INSURANCE AGENTS ASK. GETTING ALL THIS TOGETHER BEFORE SHOPPING FOR AUTO INSURANCE WILL MAKE THINGS A LOT EASIER FOR YOU. GOOD LUCK
FIRST OFF HERE ARE SOME SHOPPING NOTES TO CONSIDER
SHOPPING ONLINE MAY BE CONVENIENT, BUT IT WILL NOT GET YOU THERE BEST RATE. BY VISITING A LOCAL AGENT THEY WILL BE ABLE TO GET QUOTES FROM OTHER PROVIDERS THAT ARE NOT AVAILABLE ONLINE.
INSURANCE PROVIDERS THAT INSURE COASTAL STATES WILL PASS ON THE HIGH RATES TO INLAND STATES. CHECK TO SEE IF THE INSURER IS A COMPANY WHO INSURES HIGH-RISK COASTAL STATES. IN ALMOST ALL CASES THESE AUTO INSURANCE PROVIDERS WILL OFFER A PRICEY RATE.
INSURANCE PROVIDERS THAT INSURE COASTAL STATES WILL PASS ON THE HIGH RATES TO INLAND STATES. CHECK TO SEE IF THE INSURER IS A COMPANY WHO INSURES HIGH-RISK COASTAL STATES. IN ALMOST ALL CASES THESE AUTO INSURANCE PROVIDERS WILL OFFER A PRICEY RATE.
PAYING OFF THE INSURANCE POLICY UPFRONT IN ONE PAYMENT WILL PROVIDE GREAT DISCOUNTS OVERPAYING IT OFF IN MONTHLY INSTALLMENTS. ALSO ASK FOR MULTI LINE DISCOUNTS THAT YOU CAN COMBINE WITH MUCH NEEDED HOME OR RENTERS INSURANCE. THE HOME OR RENTERS MULTILINE DISCOUNT WILL PROVIDE YOU WITH INSURANCE FOR THE PLACE YOU CALL HOME FOR LITTLE OR NO ADDITIONAL COST TO YOU.
GETTING IT ALL TOGETHER
CREATE YOURSELF AN AUTO INSURANCE SHOPPING FOLDER. HERE IS A LIST OF THINGS YOU WILL NEED TO GET TOGETHER BEFORE SHOPPING AROUND FOR AUTO INSURANCE. THESE THINGS HELP YOU IMMENSELY IN GETTING A FAIR AND ACCURATE QUOTE.
. CURRENT DRIVERS RECORD - YOU CAN OBTAIN A COPY OF YOUR DRIVERS RECORD FROM YOUR LOCAL TAG AGENCY FOR $10. THIS REPORT ANSWERS IF YOU HAVE ANY TICKET’S AND/OR ACCIDENTS WITH TICKET’S.
. CURRENT C.L.U.E. REPORT – NOT EVERYTHING WILL BE LISTED ON YOUR DRIVERS RECORD. (FOR EXAMPLE AT FAULT ACCIDENTS THAT NO TICKET’S WERE ISSUED) OBTAINING A FREE C.L.U.E. REPORT VIA www.choicetrust.comWILL BE ANOTHER EXTRA STEP ON PROVIDING A EXTRA LEVEL OF ACCURACY. THIS REPORT WILL PROVIDE INFORMATION ON CLAIMS THAT YOU MADE OR THAT WAS MADE AGAINST YOU ON AUTO ACCIDENTS.NOTE: NOT ALL INSURANCE AGENCIES CHECK YOUR C.L.U.E. REPORT YET FOR ACCURACY SAKE AND TO PREVENT HEADACHES AFTER THE POLICY IS WRITTEN, THIS IS A NICE THING TO HAVE.
. COPY OF YOUR CURRENT AUTO INSURANCE DECLARATION’S PAGE – THIS IS PROVIDE COMPARISON SHOPPING TO WHAT YOU ALREADY HAVE. AND SOME AGENT REQUEST A COPY SO BE PREPARED, BRING IT ANYWAY.
. COPY OF YOUR VEHICLES TITLE
. COPY OF YOUR DRIVERS LICENSE.
. NOTES ON WHAT KIND OF COVERAGE YOU NEED. IF YOUR CAR IS FINANCED, KNOW BEFOREHAND WHAT IS THE MINIMUM COVERAGE NEEDED TO BE IN GOOD GRACES WITH YOUR FINANCE COMPANY.
. PEN AND PIECE OF PAPER TO TAKE NAMES AND NOTES.
. FILL OUT THE QUESTIONNAIRE BELOW. AFTER VISITING FIVE AUTO INSURANCE AGENCIES, THESE ARE A CULMINATION OF QUESTION THAT WERE ASKED. IF YOU LAY IT ALL OUT AT THE BEGINNING OF YOUR VISIT THINGS WON’T GET MONOTONOUS WHEN ANSWERING THE SAME QUESTIONS AGAIN AND AGAIN.
AGENT SURVEY
INFO ON INSURANCE BUYER
· WHAT IS YOUR FULL NAME?
· WHAT IS YOUR DATE OF BIRTH?
· WHAT IS YOUR SOCIAL SECURITY NUMBER?
· ARE YOU SINGLE OR MARRIED?
· HAVE YOU EVER BEEN CONVICTED OF A FELONY?
· HAS YOUR LICENSE EVER BEEN SUSPENDED OR REVOKED?
WERE YOU LIVE
· WHAT IS YOUR ADDRESS?
· YEAR(S) AT YOU CURRENT ADDRESS
· DO YOU OWN OR RENT YOUR RESIDENCE.
WERE YOU WORK
· WHO IS YOUR EMPLOYER?
· HOW LONG HAVE YOU BEEN EMPLOYED THERE?
· HOW LONG DO YOU DRIVE ONE WAY TO WORK?
INFO ON THE VEHICLE
· WHAT IS THE YEAR / MAKE / MODEL OF THE VEHICLE?
· WHAT IS THE VIN NUMBER OF VEHICLE?
· DO YOU LEASE, OWN OR FINANCE? (IF LEASE OR FINANCE, WHO IS IT THROUGH)
· WHAT IS THE VEHICLES COST?
· WHAT IS YOUR ANNUAL MILEAGE?
· DOES YOUR VEHICLE HAVE A CAR ALARM OR OTHER ACCESSORIES INSTALLED?
INFO ON YOUR CURRENT PROVIDER· WHO IS YOUR CURRENT AUTO INSURANCE PROVIDER
· WHAT IS THE POLICY NUMBER?
· WHEN WILL YOU CURRENT POLICY END?
· HAVE YOU EVER HAD A LAPSE OF INSURANCE IN THE PAST 5 YEARS?
WHAT COVERAGE IS NEEDED· WHAT COVERAGE DO YOU WANT IN YOUR NEW POLICY?
· DO YOU WANT UNINSURED MOTORIST COVERAGE?
· DO YOU WANT CAR RENTAL REIMBURSEMENT?
· IF APPLICABLE, WOULD YOU BE INTERESTED IN A MULI-LINE DISCOUNT WITH RENTERS OR HOMEOWNERS INSURANCE?
. COPY OF YOUR VEHICLES TITLE
. COPY OF YOUR DRIVERS LICENSE.
. NOTES ON WHAT KIND OF COVERAGE YOU NEED. IF YOUR CAR IS FINANCED, KNOW BEFOREHAND WHAT IS THE MINIMUM COVERAGE NEEDED TO BE IN GOOD GRACES WITH YOUR FINANCE COMPANY.
. PEN AND PIECE OF PAPER TO TAKE NAMES AND NOTES.
. FILL OUT THE QUESTIONNAIRE BELOW. AFTER VISITING FIVE AUTO INSURANCE AGENCIES, THESE ARE A CULMINATION OF QUESTION THAT WERE ASKED. IF YOU LAY IT ALL OUT AT THE BEGINNING OF YOUR VISIT THINGS WON’T GET MONOTONOUS WHEN ANSWERING THE SAME QUESTIONS AGAIN AND AGAIN.
AGENT SURVEY
HAVE ALL THESE QUESTIONS ANSWERED IN A RESUME STYLE FORMAT.
· WHAT IS YOUR FULL NAME?
· WHAT IS YOUR DATE OF BIRTH?
· WHAT IS YOUR SOCIAL SECURITY NUMBER?
· ARE YOU SINGLE OR MARRIED?
· HAVE YOU EVER BEEN CONVICTED OF A FELONY?
· HAS YOUR LICENSE EVER BEEN SUSPENDED OR REVOKED?
WERE YOU LIVE
· WHAT IS YOUR ADDRESS?
· YEAR(S) AT YOU CURRENT ADDRESS
· DO YOU OWN OR RENT YOUR RESIDENCE.
WERE YOU WORK
· WHO IS YOUR EMPLOYER?
· HOW LONG HAVE YOU BEEN EMPLOYED THERE?
· HOW LONG DO YOU DRIVE ONE WAY TO WORK?
INFO ON THE VEHICLE
· WHAT IS THE YEAR / MAKE / MODEL OF THE VEHICLE?
· WHAT IS THE VIN NUMBER OF VEHICLE?
· DO YOU LEASE, OWN OR FINANCE? (IF LEASE OR FINANCE, WHO IS IT THROUGH)
· WHAT IS THE VEHICLES COST?
· WHAT IS YOUR ANNUAL MILEAGE?
· DOES YOUR VEHICLE HAVE A CAR ALARM OR OTHER ACCESSORIES INSTALLED?
INFO ON YOUR CURRENT PROVIDER· WHO IS YOUR CURRENT AUTO INSURANCE PROVIDER
· WHAT IS THE POLICY NUMBER?
· WHEN WILL YOU CURRENT POLICY END?
· HAVE YOU EVER HAD A LAPSE OF INSURANCE IN THE PAST 5 YEARS?
WHAT COVERAGE IS NEEDED· WHAT COVERAGE DO YOU WANT IN YOUR NEW POLICY?
· DO YOU WANT UNINSURED MOTORIST COVERAGE?
· DO YOU WANT CAR RENTAL REIMBURSEMENT?
· IF APPLICABLE, WOULD YOU BE INTERESTED IN A MULI-LINE DISCOUNT WITH RENTERS OR HOMEOWNERS INSURANCE?
