How To Get Cheap Auto Insurance – What The Auto Insurance Company Wants To Know

If you know how to get cheap auto insurance and need to get a new car insurance policy, or want to see if your current policy is competitive a great place to start is shopping around on the Internet and using an online service that can give you multiple quotes. It is also a good idea to meet an insurance agent or two in person to get the best of all worlds when getting car insurance quotes.
Do not be afraid to ask questions and ask for discounts. Remember, the higher the policy premium the insurance agent sells you the larger commission they earn. So, ask for the extra discounts – you may be surprised at what you’ll find. With all the competition out there for auto insurance, knowing how to get cheap auto insurance will save you time and get you the quotes you want. Part of knowing is preparing.

Important Personal Factors When Comparing Cheap Auto Insurance Quotes
The best way to get quotes is to be prepared before you get started. Every insurance agent or online insurance quote website will ask roughly the same questions so it is a good idea to have your peronsal information ready to go. This will also save you time if you have it at your fingertips when you start shopping for insurance quotes.
Here is a list of the items you will need to give to an auto insurance agency, insurance agent, or an online insurance website to get a quote:

Vehicle Year
Vehicle Make

Vehicle Model

Do you own it free and clear, is it financed, or is it leased?

What is the primary use for the vehicle? Personal or Business

What is the annual mileage?

Where is the car parked overnight? In a garage, on the street, in a locked facility?

Does the car have a car alarm or other security system?

Does the auto have anti-lock brakes?

Are there airbags? For the passengers, front and back, sides?

Do you want a high deductible – which corresponds to the cheapest level of coverage

Do you want a low deductible – which corresponds to be the most expensive level of coverage

Would you like rental car coverage?

Do you want emergency roadside coverage?

Have you recently been insured with another car?

Have you recently been denied coverage?

Have you recently had any accidents or claims?

Have you had any traffic violations in the past several years?

What is your date of birth?

Are you married?

Will there be any other drivers on the policy?

What is your gender?

What is your occupation?

What is your highest level of education?

What is your current address?

How long have you lived in your current address?

Do you have an active drivers license?

What state is your license from?

What is your name?

What is your contact information including phone and email address?

This is generally the type of information that any car insurance agent or online insurance quote company will need to give you a quote. If you are shopping for new car insurance, try to get quotes from at least sources. And make sure that you tell each person you talk to or website that you give information to the same information. Changing only the slightest amount of your information can cause a big difference in the type of quote and a premium quote that you get.