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Personal info auto insurance companies need

Carriers want the least risk possible, and that means knowing as much about you as possible. Including:

• Credit scores
• Loss rate of your coverage group
• Age
• Social Security number
• Date of birth
• Accidents (number of claims)
• Violations
• Policy term and limits
• Prior insurance
• Vehicle make and model
• Discounts and deductibles
• How long you have been licensed

To get your new policy quote, you will need to supply the following about yourself:

• Home ownership - if you lease, own or rent
• Drivers license numbers for every person to be listed on your auto insurance policy
• Age when first licensed and license status
• Accidents, violations or claims in the last 5 years
• Occupation
• Highest level of education completed
• Years with your current employer
• Daily Commute

You will need to provide the below about your vehicle:

• Air bags, passive restraints, anti-theft devices and / or anti lock brakes
• If any company has declined, cancelled, or refused to renew for cause any listed driver in the last five years
• Mileage when you bought the car and current mileage
• If any vehicles have any major, un-repaired structural damage
• Vehicle Identification Numbers or VIN - on your vehicle registration or driver's side dashboard inside your car
• Your auto loan or lease info
• Any lapses in coverage during the past twelve months
• Current policy limits and expiration date
• Current insurance provider
• Deductibles
• Year, make and model of all vehicles
• If your vehicle has substantial customization that you want insured at an additional cost

Identity Theft

Identity fraud happens with both car and health insurance. There are fake insurance carriers and brokers out there. Schemers call you offering a great deal on coverage, hoping to get your bank or credit card info. By just saying "Can I have a good # to call you back on?" they will go away, since if you know who they are, you'd never actually do business with them.

Read my auto insurance needs FAQ.

Written by Craig J. Casey

Financial Writer helping people with their insurance problems on the net since 1998.

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