What documents do you need to get car insurance?
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UPDATED: Oct 15, 2021
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In order to get car insurance, there are certain documents you will need in order to answer your agent’s questions so that he or she can give you the more accurate policy possible. As a general rule, you will need information pertaining to your car, your personal information and information about your driving habits. To speed this process along, you can use a comparison tool, which will ask you specific questions. As you answer the questions, you can use your documents to ensure your answers are accurate. Compare car insurance rates now by using our FREE tool above!
Documents You Will Need to Acquire Auto Insurance
When you apply for auto insurance via a comparison tool, you will first need to gather some documents in order to answer the insurance company’s questions. In general, you will need your driver’s license, car title, license, and registration, your home address, the social security numbers of every driver in your household that you wish to ensure and a copy of your driving record. You will also need to estimate the number of miles you drive every year and indicate the type of car insurance you need.
- Information about your car
- Information about your driving habits
- Your personal information, including your social security number and address
- The names and social security numbers of any additional drivers
- Type of car insurance policy you would prefer
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Questions Your Insurance Company Will Ask
As you move through the car insurance application process, you will be asked several questions via the comparison quote tool. The first questions will encompass the name, address and social security number of the policy holder. You will be asked about the make model and year of your car and how often you drive your car. You will also need to estimate your miles driven.
- How do you primarily use your car?
The comparison tool will ask you how you use your vehicle. Potential answers include going to work or school, as a business vehicle or for use on a farm. This is used to help determine the amount of risk your driving habits warrant. If your car spends the majority of time parked at your house or at a place of employment, you are less of an accident risk than someone that drives eight hours a day.
- Do you own your car, or do you make payments to a financial institution?
If you own your car, you can purchase liability only insurance or state minimum insurance, which could save you money. If you still make payments to a bank or other financial institution, there is a good chance you will be required to purchase collision and comprehensive insurance.
- What is your driver’s license number and the status of your license?
Ideally, you want a valid driver’s license, not one that is suspended or revoked. You will also need to indicate if you’ve been in any accidents within the last three years and how many citations you’ve received.
All of the information you input into the comparison quote tool will be used to determine which insurance policies would be best for you and the rates of those policies.
Some states, like New York, offer advice on how to purchase car insurance and the harms of providing inaccurate information in order to get lower rates.
- Have you had any accident or infractions in the last three years?
Your rates are partially determined by the number of accidents and moving violations you have received over the last few years. Multiple infractions and accidents typically lead to higher rates.
- What types of insurance policies are you interested in viewing?
This helps the comparison tool determine which car insurance policies to show you. You can state that you want to view liability or collision policies or all policies.
Hazards of Answering Questions Inaccurately
Answering car insurance questions inaccurately or lying on your application can result in some serious penalties. The most common lies revolve around how many miles are driven each year, where the car is parked at night and how many drivers use the car. While these may seem like harmless lies, they can impact you when you go to file a claim.
- Stating that you drive less miles than you actually drive each year
When you lie about the number of miles you drive, you are trying to get lower rates by stating that you are on the road less often than you actually are, which increases your risk for a car accident. While it is difficult for an insurance company to determine your exact miles, they might be able to if you live in a state that requires annual inspections. If the insurance company does discover that you drive more than you stated, they could demand that you pay higher premiums or pay more against any future insurance claims.
- Stating that you are the only driver on your policy when other people in your household also drive your car
If you state that you are the only driver on your vehicle, but your wife, mother or teenager also drives the car, you could be held liable for damages if they get into a car accident. If your car insurance company does agree to pay the claim, you could be liable for back premiums, assessed at a new rate, according to the number of drivers who actually use the car.
- Stating that you live in a rural area or low crime area when you do not.
Lying about your location is a good way to get assessed back premiums if something happens to your car at home. For example, you actually live in the city, but a relative lives in the country. You know that if you tell your insurance company that you live in the city, your rates will increase, so you use your relative’s address. During the course of your policy, your car suffers damage near or at your actual home, and you file a claim.
Your insurance company could refuse to pay the claim or charge you back premiums, according to your true location.
When applying for car insurance via a comparison tool, it is imperative that you have certain documents next to you so that you can answer the questions as accurately as possible. Providing accurate information will ensure that you get the most accurate quotes, and it will prevent your insurance company from taking action against you in the future. Enter your zip code in our FREE tool below to compare car insurance rates now!