Practically every state In the U.S requires automobile owners to carry auto insurance, but trying to obtain auto insurance quotes lodi california can sometimes seem like a long row to hoe. Having the following information on hand when you begin your online quote process can simplify things greatly.
Personal Information Required
The online form of the insurer you request a quote from will ask for your name, address, date of birth, and driver’s license number. The insurer will use this information to check your driving record to determine your risk factor, which directly affects the rate you will be quoted. You will also be asked how many licensed drivers live in your home and how long you’ve been a licensed driver.
Vehicle Information Required
The online form will generally ask whether you own your vehicle outright or whether you finance or lease your vehicle. You might also be asked if your car has any safety features that can lower your rate, how many miles you drive daily and where you drive, and whether the miles you drive is for work or pleasure. You’ll need your car’s vehicle identification number.
Current Policy Coverage Limits
You should have the declarations page of your current policy available to fill in coverage limits for the following:
- Liability
- Bodily injury liability
- Property damage liability
- Personal injury protection
- Uninsured/underinsured motorist
- Collision
- Comprehensive
You will also need to choose deductibles for each in the above list. Most states require minimum values. To find out your state’s minimums, go to this website. If you go with the minimum values required, keep in mind that you could be held responsible for the costs of an accident that exceeds those minimums. A rule of thumb is to add coverage up to an amount equal to the value of your assets.