The Auto Insurance Application
Have this information ready before you begin your application:
- Zip Code – (must represent the residence of the primary vehicle owner).
- Year, make, model, body type and VIN of the vehicle (fill this out carefully).
- Primary Use of the vehicle (Business and personal use have different rates).
- Do you Own (making payments) or Lease the vehicle?
(Why? Cost of replacement and possible need for Gap insurance).
- Note: Records are kept that tell the system about accidents and other
details about the vehicle).
- Information prepared according to our Preparation Before Meeting With An Auto Insurance Agent
- Anti-theft Equipment?
- Marital Status (all residents of the household may be considered, and
must have some type of coverage).
- Level of Education (discounts).
- Occupation: (May earn discounts or increase rates due to risk assessment).
- Employment status (financial status earns discounts).
- Social Security (to confirm residence and age).
- Driver’s License status.
- Accidents and violations (include ALL – omissions can void your coverage).
- Citations –(again, be thorough and include all).
- Other Coverages you have.
- Health insurance details: Does your coverage include accident insurance?
- Current auto insurance coverage limits.
- Number of family members not included on the policy (residing with you).
Once you have completed the form, save it and contact the insurer for other discounts that may be available.
The application submitted to the company is very important. Any errors or inaccuracies could result in big problems. For this reason it is probably best for you to complete the application yourself and to provide complete and thorough answers to the questions.
Never sign an application – or any insurance paperwork – without reading and understanding what you are signing. If you do not understand anything, ask for an explanation and take down notes. Save these in your insurance file or notebook. Again, these notes can make a big difference in benefits paid in the future.
There are some very basic rights that you must have as an insurance consumer, and that should be expected of any insurance company you deal with.
See our Insurance Consumers’ Bill of Rights for guidance.