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What Common Questions Asked by Car Insurance Companies Mean for You

Shopping around for car insurance is something that is both daunting and personal. In fact, one of the first things you must come to grips with is the fact that you will need to share personal information with various companies. This is needed for your auto insurance provider to provide you with the best possible plan. However, you might be unsure and confused by some of the questions being asked. Here is some information about some of the most common questions asked by insurance companies.

Where Do You Live?

When auto insurance companies ask a person where they live, it can lead to some people becoming offended. They may believe that their credit history, ability to pay, and perfect driving history are all they need to share. The fact is that auto insurance companies also look out for a couple of other factors, including your zip code. For example, someone who lives within a large city can see themselves paying higher premiums per month than, say someone who lives in a rural area of their state. This is because you are more likely to get into an accident within a city than say out in the countryside.

Do You Have Accidents on Your Record?

When it comes to auto accidents, insurance companies want to know everything about it. They want to know the time, date, claim, outcome, and even how your driving habits have changed today. This is because aggressive driving is a factor in 66% of traffic fatalities, which can then lead them to believe that you might not be the best of candidates. Even if these were not your fault, it could seem like a pattern of constant accidents that they might not want to be a part of. Therefore, it is important to share every bit of information with them as any uncertainty can leave you with a bad or even no deal.

What Kind of Vehicle Are You Insuring?

For this question, it is important for you to be ready to share the make, model, and year of the car you are choosing to insure. This is because a vehicle’s history and current users go into determining the type of rate you will receive. An SUV used by parents to transport kids to school will receive a better rate than say a teenager’s brand-new sports car.

It can feel a little intrusive when a large company is asking about a bunch of your personal information. However, this is necessary to ensure that you obtain a good rate on your auto insurance. Study up on the questions you will be asked so you’re fully prepared.

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