What information does the insurer need to issue auto insurance?

Most likely, when considering buying a vehicle, the seller or dealer asks if you have car insurance and if this is the first time, it may not be clear what documentation you will need to present to the insurer.
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Ideally, before submitting any document or making any payment, you consider two aspects: a) how to choose the right insurer; b) what type of insurance do you need.

In addition to listening to the recommendations of friends and family about the companies with which they have had positive experiences, you can check this same page to find the right insurer for your auto insurance and also get a list of companies in your state, using a very simple tool from the Insurance Information Institute (Find an Insurance Company).


The first thing the broker or insurance agent will want to know is the type of car you are going to insure. Since this is one of the factors that influence the price of a policy and the type of insurance you need.


Basic information about your car
Year, model and brand.
The Vehicle Identification Number or VIN (Vehicle Identification Number).
Safety accessories that the vehicle has: airbags, safety belts, anti-lock brakes, anti-theft security systems, alarms, etc.

How many miles will you drive per year approximately and how many do you spend going to work every day.
If it is a new or used car; the miles already traveled; If you are financing it, the name and contact details of the financial company.

If the car will spend the night in a garage, a closed public parking or on the street.
Some insurers offer discounts for new cars and the agent may want to examine the vehicle and / or take pictures of it to know the status of the vehicle.

When you have special cars or particular models, such as racing or collector cars, insurance is more likely to be more expensive than when it comes to a regular one. And it is even possible that some companies do not insure certain vehicles and should go to a specialized insurer that does.

Driver data
It is very important that when obtaining insurance for your car, you identify all the drivers that live in your home and can handle it. This is to prevent that in case, for example, that children who are of driving age take their car without their permission, they are covered in case they are presented with any problem that has to do with the insured car.

The insurer will find out about the driving history of the vehicle owner and the policy. It depends a lot on your career and behavior as a driver, that the insurer treats you with more or less consideration. As with everything, the higher the risk, the more expensive it will be to secure it.

If you have had numerous traffic crashes or speeding tickets, this story will cost you more money when you buy insurance; but instead, if you have a good driver’s history, you will enjoy additional discounts and there are even special programs for safe drivers and / or taking additional defensive driving classes.

Likewise, if the young drivers of your home have taken driving courses, these can mean discounts – in addition to a peace of mind -; And if they are good students, they might also receive discounts on their annual or semi-annual premium.

If you have other cars, you may only need to add the new car to the existing policy and therefore obtain a discount for “loyalty” and seniority as a customer. Also if you have homeowners insurance, you can place auto insurance in the same insurer. In this case, inform the broker of the company with which you insure your home.

Personal information
Obviously you will be asked to show your driver’s license and take note of it. Not only is it important to confirm your address and identity, but also use it to assess your driving record (the insurer may request to review your driving history with the state’s department of motor vehicles).

Similarly, the insurer can initiate a detailed evaluation of your credit history, for which the broker will ask for your social security number. It must ensure the proper handling of your private information and indicate your rights with respect to the laws of your state.

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