Motorists are generally responsible to have insurance on their car, but the true cost of car insurance is far higher than what you will find from an instant auto insurance quote. Obtaining an insurance quote can be as easy as a phone call to various companies, an Internet inquiry, or talking directly with your current insurance agent.
Personal Information Needed
Getting your instant auto insurance quote requires answering questions regarding your driving history. The agent will need to know the coverage you want. He or she will also need some personal information for any drivers who live in your household.
- All driver’s names, driver’s license number, birth date, sex, and marital status
- Driving history, for each person, including moving violations and accidents with date’s
- Mileage each person drives
- Year of vehicle
- Cost of vehicle
- Vehicle identification number
- Special safety features
There are several important decisions you need to make regarding auto insurance before obtaining a quote. This includes the types of coverage you want, the amount of coverage you need, and researching the requirements in your state. The following gives you some basic information about obtaining an instant auto insurance quote from any company. Hauser Insurance
- Uninsured and Underinsured Motorist
Liability Auto Insurance Coverage
Each state has their own laws and regulations as to the types and amounts of coverage, which they require drivers to obtain. For most states, the minimum coverage is liability. Liability only covers property damages or personal injuries that are the drivers fault. Liability insurance does not cover damages to your own vehicle if you are at fault and in most cases to passengers in your auto.
Before you drive your auto off the lot, it is important and usually mandatory, to have acceptable liability insurance. In some states, it is illegal for anyone to drive an auto without coverage, even if they have coverage on their own vehicle. You can receive an instant auto insurance quote, pay the first premium, and drive only from the time the liability coverage begins.