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What information do I need to give to my agent or company?
Your agent will ask
you what make and model cars you own, roughly how many miles you drive
each year, and what kind of liability coverage you will need. The agent
will also want to know how many people drive the cars, how old the
drivers are, where you live, and driving records of each household
member.
The agent will then ask more detailed questions about your cars, such
as their Vehicle Identification Numbers (VIN), whether they have
passive restraint systems or air bags, anti-lock brakes or anti-theft
devices. If you already have another insurance policy with the company
for home or life insurance, you might receive a discount on your auto
policy. You should also mention if you or other drivers in your
household have completed safe-driving courses and if student drivers in
your home are getting good grades—both of these may qualify you for
discounts on your auto policy.
Once the agent has assembled all of the information, he or she will
quote you a premium. The premium will depend on all the factors above
and on the deductibles you choose.
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