Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Here's what you need to know...

  • When you apply for auto insurance, you must provide a great deal of personal information so that the company can assess risk and calculate how much you need to pay for coverage
  • It’s important that you provide accurate information when you’re soliciting quotes. If all of the information that you give is accurate, you don’t have to worry about your rates changing when the policy is issued
  • Having the right documentation can make the process of buying insurance quick and easy. Some of the documents that you should have to include your driver’s license, motor vehicle reports, vehicle registration, declarations page, claims history letter, school transcript, and bank information
  • Some companies may ask their applicants to bring their vehicles in for an inspection if they want physical damage coverage and the car has sustained damage in the past

Auto insurance companies won’t enter into a contract with drivers until their underwriters have reviewed detailed information about an applicant’s driving history and their current habits. By reviewing this information, the company is better able to determine whether or not the driver is a good risk to take on.

Since drivers solicit quotes and companies provide them, it’s the consumer’s job to give agents the most accurate information possible when they are comparing rates.

If the information isn’t accurate, the low price the agent quoted can quickly change when the policy documents are mailed. Having all of the right documents can help ensure that you can answer questions accurately.

Start comparison shopping to make sure your rates are competitive. Just enter your zip code above to get started!

What do you need to get a quick auto insurance quote?

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The insurance industry has gone digital. More and more people are soliciting quotes online during their free time when they want to compare rates quickly. While you can request a quote with minimal information, there’s no guarantee that the quote will be accurate once you apply for the coverage.

Having the right documents will help you fill out quoting forms. If you’re applying for insurance in an agent’s office, having documents to reference will help you get through all of the underwriting questions quickly.

Here are the documents you should have handy that provide the basic information you’ll be asked for:

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What is a declarations page and why is it important for quoting purposes?

An insurance declarations page turns insurance into a tangible product. It is the single-most important document that you’re sent when you purchase any property insurance policy. This page is so important because it includes pertinent information about the insured, the vehicle, and the coverage provided.

With your current declarations page, you can see exactly how you’re being rated so that you’re better able to get apples-to-apples quotes.

By referencing this document, you’ll be able to confirm the limits that you’re carrying and discounts that you’re receiving. If you want to change these coverage options after you’ve compared price, you can.

Understanding Why Answers on Your Application Are So Important

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If you forget exactly when you were licensed to drive, or you underestimate the number of miles that you drive annually, it could have an impact on your rates. If you’re not convinced that you need documentation to get insurance, you need to understand why the insurer needs all of the information it’s requesting.

All companies set their own rates and underwriting requirements The information that’s requested is used to assess risk and place you into a risk class.

Not only this, but the company can personalize rates based on the answers that you’ve given. Some rating factors that will bump your rates up or drive them down include:

  • Driver’s license and years licensed
  • Age, gender, and marital status
  • Garaging zip code where the vehicle is kept
  • Credit rating of named insured
  • Vehicle type and features
  • Driving habits and vehicle usage
  • Annual mileage and vehicle driver assignment
  • Accident history
  • Moving violations and dates
  • Prior insurance information

Documents Needed to Complete Your Application

Most drivers can’t give the exact date of a ticket or accident that they’ve had in the past. Dates are critical and this is why you need to have access to your driving record and claims history when you’re filling out your application. If you can give exact dates, it’ll make all the difference. Here are some documents that can help:

  • Claims history letter
  • Motor Vehicle Report (MVR)
  • Declarations page (it may show chargeable tickets and accidents if you are currently being penalized for them)

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Documents That You Need to Verify Eligibility for Discounts

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A majority of the large carriers who do business in the auto insurance industry can run digital reports to verify a lot of the information that you provide. Most of the documents that the insurance company will ask for are used to verify that you’re eligible for favorable ratings or discounts.

  • Proof of homeownership for homeowner discount
  • Proof of another line of insurance
  • Report card or transcript for good grade discount
  • Certificate of completion for driver training and mature driver training
  • Proof of membership to an association or organization
  • Proof of mileage for low-mileage discount
  • Cancelled check for automatic payment discount
  • Proof of low-jack or aftermarket alarm
  • Letter of experience from previous companies to show eligibility for prior insurance discount
  • Photos or inspection of your vehicle to show that it is free of pre-existing damage

What can happen if you don’t provide the right information?

All companies have 60 days to review the information that you provide. If you don’t disclose an accident, or you forget a date, the company can update this information during the underwriting phase, which can either affect your rates or disqualify you from being eligible for coverage. If the company decides not to proceed, you will get a cancellation letter.

Now that you know what you need, it’s time to get quotes. You can quickly enter your zip code into our FREE online rating comparison tool below and get instant quotes.