Understanding The Intricacies Of Insurance

4 Things Your Insurance Agent May Ask About Your Car

If you are getting ready to sign up for an auto insurance policy, you probably want to ensure that you are prepared to answer the agent's questions so that you can get a quote and get signed up without any issues. Therefore, you could be wondering about the types of questions that you will be asked. For one thing, your insurance agent will probably want to know a few things about your car. These are some of the questions that you might be asked about your vehicle.

1. What is Your Car's Vehicle Identification Number?

First of all, your insurance agent will probably ask for your car's vehicle identification number (VIN). This should provide him or her with information about your car's make, model, year model and other basic information. It will also help him or her ensure that the right vehicle is listed on the policy. Your agent might also ask you about your car's make and model just to make sure that all of the information is correct.

2. Does Your Vehicle Has a Salvage Title?

If a car is considered a total loss in an accident or flood, it may have a salvage title. In some cases, people fix these cars up and still drive them. However, if your car has a salvage title, your insurance company might not offer coverage. If it does, you might have to pay higher premiums.

3. What Anti-Theft Features Does Your Car Have?

Of course, your insurance company is at risk of having to pay out for a claim if your car is stolen or broken into. Therefore, you could qualify for a discount if your car has certain anti-theft features, such as an alarm system, since this can reduce the insurance company's risk.

4. What Safety Features Does Your Car Have?

Your insurance agent will also want to know about the safety features that your car has, since this can help you qualify for a discount. For example, you might be asked about things like passenger airbags.

As you can see, there are a few different questions that your insurance agent might ask about your vehicle. This can help him or her give you all of the discounts that you might qualify for. Plus, it'll help you ensure that you are properly covered and that the insurance quote that you receive initially is accurate, which can help prevent you from having to pay an increase in premiums later on without expecting it. Therefore, you'll want to make sure that you know all of this information and that you give accurate and thorough information when speaking to your agent about your car.