- Some people don't call me first and unfortunately feel rushed, frazzled and frustrated by the time I first chat with them.
Before calling any insurance professional please first do so when you are in a good mood, patient and have time to answer all the questions. You're not ordering a pizza, there are many variables that will determine your quote. Bad or insufficient information will result in a bogus quote and may be a waste of your time and mine. Some missing information I can work around, just not the big things, like driver's license numbers from all the drivers and the vehicle information, for example.
Prior to the call make sure you are ready to answer questions with the needed information at your fingertips. Understand that independent agencies, such as NCI search several carriers with the information you provide. Having to shop several different carriers means that I may need slightly more information then a typical captive carrier, which will only search for one quote.
If you want an auto quote you can email or fax me your current insurance information to get an easy start on the following questions, see the contact page.
* If questions are not answered it may result in no quote being generated or the exclusion of certain carriers quotes.
Your Name (and other drivers in your household which will need insurance)
Your Address (Physical and Mailing address)
Previous Address (if you just moved in the last year)
Email Address (optional to email you the quote and possibly billing)
Desired Effective Date (discounts may apply, depending on when you want to start coverage)
Insured's date of birth
Diver's License number(s) of everyone to be insured in household
The original dates that diver's licenses were issued (it shows on the card or give best estimate)
Current insurance company
Length of time with that carrier (or best estimate)
Accidents of Moving Violations in the last 3 years (Think hard, some carriers will give a higher quote rate if you omit information here)
Annual Mileage (rough estimate)
Vehicle Year, Make and Model.
Vin # is most accurate and will be needed prior to policy beginning.
Coverage limits Money amount you want your insurance to stop protection at; Such as 50/100/50 100/300/100 or 250/500/250?
Comprehensive (to repair damage to your vehicle by non-fixed object collision accidents, fire, flood, theft or animal damage)
Collision (to your vehicle)
Liability (For damage or injury you do to others)
or Just Liability by itself ? (most anything can be fixed with duct tape, right?)
Social Security Number is optional for a quote but it really helps with accuracy for the credit check portion. For added security this can be sent in a different text or email that doesn't include your name or full name.
Interested in the Options?....
Ticket and Accident Forgiveness
Roadside Assistance Coverage
Rental Car Allowance
Theft & ID Protection
That may or not seem like a bunch of questions, but if you know all of this information you are ready to call, email or fax anyone for a quote.
I, and other insurance professionals will thank you for having your stuff together.