Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Feb 6, 2019

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Important facts to know...

  • When you go to get car insurance from a new insurance provider, the basic information that you need to provide is pretty much the same regardless of which state you live in
  • The most important pieces of information to have prepared are your driver’s license, social security number, bank information, and your vehicle information
  • During the underwriting process, the insurance company will confirm all of the information that you have provided and make sure that it is accurate
  • The insurance agent will also ask you basic questions about your personal information and driving record, but you will already know the answers to these questions without having to consult any documents
  • Along with having certain information ready when you are applying for a car insurance policy, you also want to have a basic idea about the type and amount of coverage that you are considering

In applying for a car insurance policy, you will need to provide some basic information to the insurer to get started. As long as you have your driver’s license, banking information, social security information and vehicle information, you likely have everything that you need in order to apply for a car insurance policy.

If you plan to add another driver to your policy, then you may need some basic information, including a driver’s license, for that driver.

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Questions About Your Personal Information to Apply for a Car Insurance Policy

 

Every auto insurance company will ask some basic information to help identify you and to figure out what rate to charge you for your car insurance policy.

Many of the information can be found on your driver’s license. It may even be necessary to provide a copy of your driver’s license to your car insurance company before they approve you for a policy.

Using your driver’s license number, the car insurance company can access various databases to find out information about your insurance history, including whether you currently have the required amount of auto insurance in your state.

This helps the insurance company determine whether you are generally a responsible driver by complying with state laws for carrying a certain level of auto insurance at all times that you are driving a vehicle on public roads.

The auto insurance company may also look into your credit score to determine your level of financial responsibility and help assess your risk level. If you have a good credit score, then you will get quoted at a better rate for your auto insurance coverage.

You may need to provide some banking details to your insurance company. This will help the auto insurance company get started with charging you a premium for your policy.

With some companies, you may be able to avoid paying an administrative fee with your premiums if you authorize them to deduct the amount of your premium straight from your checking account.

The auto insurance company rewards you for putting your payments on an automatic schedule because they know that they are more likely to receive the full amount of your payment on time.

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Driving Record Information for a Car Insurance Policy

You will not be surprised to know that your driving record is a major factor in whether an insurance company will agree to provide you with insurance as well as what rate you will need to pay for that policy.

They will certainly ask you questions about your driving history and whether you have been involved in any car accidents within a certain period of time. You will probably also be asked whether you have received any tickets for moving violations within a certain period of time.

Different companies look back for a certain period of time for what accidents will affect the rate that you pay for a car insurance policy. For many car insurance companies, the look back period is about three years. The same is often true for any claims that are filed under your auto insurance policy.

Even if you filed a claim with a different auto insurance company in the past, this information could be reported to a general database and result in you paying more money for car insurance in the future, at least until that claim falls off of your relevant look back period for the insurance company.

However, a claim is more likely to affect the rate that you pay if the incident was determined to be your own fault.

Questions You Should be Prepared to Answer

 

The car insurance company will ask you information about what types of supplemental coverage that you want and what type of policy limit you will want. The more research you do ahead of time, the better prepared you will be to select the right auto insurance policy for you.

It is never a great idea to simply choose the lowest level of car insurance coverage that state law requires. This is based on the fact that car accidents often result in far more damage than the limits of this type of basic auto liability would cover.

You may also want to protect your own car, which would not be protected under the most basic auto liability policy. The best way to do this is with a comprehensive or collision policy.

Even though you will need to pay a deductible for either of these policies, you will have coverage in the event that your own car is damaged.

If you are currently leasing or financing a car, then you may even be mandated to have these coverages because the lender or dealership wants to make sure that your car is covered until your lease is up or the loan amount is paid off in full.

Do not simply choose a policy because it is the lowest quote. Make sure that you are getting the right amount of coverage from a company that is stable and has a great reputation in your area.

Wrap Up on Information You Need to Apply for a Car Insurance Policy

The process of applying for car insurance is very simple and pretty much the same no matter what state you live in or which company you choose as your auto insurance provider. They will all ask basic questions about your personal information, vehicle information and driving record.

As long as you have your driver’s license, know your social security number and are able to give the details about your vehicle, you already have all of the information you need to apply for auto insurance.

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