20 Things You Need Before Shopping For Car Insurance

What do you need to keep ready before you go shopping for auto insurance? Insurance agents and companies require quite a bit of information about you and your vehicle before they can guide you about the kind of cover you need, evaluate the premium to charge you, and finally enter into a contract with you.

Here’s a list of items and information that you will need before you set out shopping. Having all of this handy can help you save time and money.

Information For Your Insurance Company

The first set of items includes information about your car and your driving record.

1. What is the make and model of the car you drive and wish to insure?

2. Keep the registration number ready.

3. You will need to provide your address, area and postal code.

4. You must know the duration of your claim free period (that is, the number of years for which you have not claimed any repair or damage costs from your auto insurance provider). The longer your claim-free period, the more sizable the discount you will get on your premium.

5. Where is your car parked? Depending upon whether your vehicle is parked inside a garage or left on the street, your insurance premium will vary.

6. Who else drives your car? If many people use your car on an occasional (or regular) basis, be sure to provide a list of them to your insurance vendor. This will become important in the event of an accident while one of them is driving. Not including this information on your policy may make you liable for all damages, and your car insurance may not cover it.

If others drive your car, the insurance company will require details including their names, dates of birth, the kind of licenses they hold, and information about where they live and work or study.

7. You may need to document the purpose for which your car is used. Some people use their car for social and holiday travel while others use it primary for business or professional work. The premium charged and the nature of cover provided may vary depending on the nature of use.

8. How many miles does your car typically run in a year?

9. What kind of auto insurance are you looking for? In case you already have car insurance, details about the type of cover may be requested. You may have comprehensive cover, collision insurance and bodily injury liability. Some policies also include property damage liability and personal injury protection clauses.

10. You will need to produce documentation about all claims and any convictions that have happened in the last 3 years.

Information For Your Records

The next checklist includes items that you must verify to see what elements are covered by your car insurance policy. You may have some doubts or questions about which aspects are included, and which are not. Jot those down on your list so that you don’t miss anything during the consultation with the insurance agent or company representative.

While this list may not be comprehensive or complete, you can use it as a good starting point.

1. Is legal protection included in the car insurance policy? If not, then factor that additional cost into your budget, and see if you are better off with another policy which covers it also.

2. Will you be provide roadside assistance when your vehicle breaks down? Not all car insurance policies include this as a routine, and you may have to request it specifically.

3. If you travel frequently out of the country or drive across state borders, make sure that your insurance policy will cover emergencies that happen outside your home state.

4. Will your auto insurance cover provide for expenses related to injury in an accident, or damage to your possessions? It is worth checking if costs to replace faulty or damaged locks are covered, especially if you live in an area prone to car theft.

5. Check the policy for information about whether your no-claims bonus will be affected in case of a claim related to an accident that was not your fault. Sometimes this is hidden in the fine print of your contract, and can cause a significant loss in cover – even if your own driving was faultless.

6. Will medical advice or treatment as a result of a car accident be covered under the terms of your car insurance policy?

7. How quickly will repairs be authorized on your vehicle after it is damaged in an accident? Some insurers will permit repairs to be carried out right away, ensuring that you are not left without transportation for long. Other companies have a policy of waiting until an investigation is carried out.

8. If your car is significantly damaged, will you be provided with a replacement car as a courtesy until your own is repaired? And will such a replacement be offered in case of car theft, or if your vehicle is totally destroyed in an accident?

9. In case you opt for monthly insurance premium payments, will you be charged an additional fee over annual pre-payments? If that is the case, find out how much the difference will be.

10. To be eligible for your no-claims bonus, you must be within the limit allowed by your insurer under the contract. Find out what this limit is, so that you can guard your no-claims bonus.

 Sam Jones is the author of this article. He has been researching cheap car insurance for new drivers by going to uSwitch.com price comparison site and using the online price comparison facility to obtain multiple quotes with just one form fill

This article is copyright free.



Leave a Reply